ADVANTAGES

Let’s take a step back and discuss the economics of how insurance companies that offer Indexed Universal Life provide this unique growth strategy without the risk of market losses. It’s actually really simple once dissected. You see, in addition to indexed crediting, all IUL products also offer you an option where you can simply grow your cash value using a fixed rate of interest (like the original UL products). This fixed crediting rate fluctuates with the trend of prevailing interest rates. Most carriers currently offer a fixed crediting rate in the 3%-4% range. This fixed crediting rate offered by insurance companies was higher in the recent past when prevailing interest rates were higher. Their fixed crediting rates will most likely rise again when prevailing interest rates rise in the future.

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