Indexed Universal Life (IUL) Insurance

What is a cap rate in an IUL policy?

A cap rate is the maximum percentage of interest your IUL cash value can be credited in a given period, regardless of how much higher the underlying index actually gained. For example, if your policy has a 9% cap and the index gained 15% that year, your cash value would only be credited up to 9%.

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Cap rates are set by the insurance company and can change over time (usually with some contractual minimum guaranteed), so it's important to understand that today's cap rate isn't necessarily locked in for the life of the policy.

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Comparing cap rates, participation rates, and floors across different carriers' IUL products is an important part of choosing the right policy, and an agent can walk through these details for specific illustrations.

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More indexed universal life (iul) insurance questions.

What is Indexed Universal Life (IUL) insurance? How does IUL insurance cash value growth work? Is IUL insurance a good investment? What is the difference between IUL and whole life insurance?

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