IUL
Allianz – Life Pro+ Advantage
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| Blended Index Annual Point to Point Select | 5.04% | 8.25% | 0.00% | 100% |
| Bloomberg US Dynamic Balance II ER Index Annual Point to Point Select | 7.08% | n/a | 0.00% | 175% |
| PIMCO Tactical Balanced ER Index Annual Point to Point Select | 7.08% | n/a | 0.00% | 175% |
| Blended Index Annual Point to Point Bonused | 5.21% | 8.75% | 0.00% | 100% |
| Bloomberg US Dynamic Balance II ER Index Annual Point to Point Bonused | 7.08% | n/a | 0.00% | 180% |
| PIMCO Tactical Balanced ER Index Annual Point to Point Bonused | 7.08% | n/a | 0.00% | 175% |
| Blended Index Annual Point to Point Classic | 4.78% | 7.50% | 0.00% | 100% |
| Bloomberg US Dynamic Balance II ER Index Annual Point to Point Classic | 7.08% | n/a | 0.00% | 165% |
| PIMCO Tactical Balanced ER Index Annual Point to Point Classic | 7.08% | n/a | 0.00% | 160% |
| S&P 500 Index Annual Point to Point Standard | 7.08% | 11.75% | 0.00% | 100% |
| S&P 500 Index Monthly Sum Standard | 7.08% | 3.80% | 0.00% | 100% |
| S&P 500 Index Trigger Method Standard | 5.54% | 8.25% | 0.00% | 100% |
| Blended Index Annual Point to Point Standard | 6.51% | 12.75% | 0.00% | 100% |
| Bloomberg US Dynamic Balance II ER Index Annual Point to Point Standard | 7.08% | n/a | 0.00% | 207.00% |
| PIMCO Tactical Balanced ER Index Annual Point to Point Standard | 7.08% | n/a | 0.00% | 201.25% |
| Interest Earning % | 5.00% | n/a | n/a | n/a |
American National – Signature Performance IUL
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| S&P 500 Index Pt-to-Pt with Cap and High Multiplier (Multiplier Plus) | 6.40% | 12.00% | 0.00% | 100% |
| S&P 500 Index Pt-to-Pt with Cap and Low Multiplier (Multiplier) | 6.40% | 12.00% | 0.00% | 100% |
| S&P 500 Index Pt-to-Pt with Cap (Value Cap) | 6.40% | 10.25% | 0.00% | 100% |
| S&P 500 Index Pt-to-Pt Uncapped with Interest Rate Spread (Uncapped) | 5.46% | S: 10.00% | 0.00% | 100% |
| NASDAQ-100 Index Pt-to-Pt with Cap (Growth Cap) | 6.40% | 10.25% | 0.00% | 100% |
| S&P MARC 5% Excess Return Index Pt-to-Pt Uncapped (Low Volatility) | 6.40% | n/a | 0.00% | 240% |
| One Year Declared Rate | 3.50% | n/a | 0.00% | n/a |
American National – Signature Protection IUL
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| S&P 500 Index Pt-to-Pt with Cap | 6.03% | 9.50% | 0.00% | 100% |
| S&P 500 Index Pt-to-Pt Uncapped with Interest Rate Spread | 5.00% | S: 11.00% | 0.00% | 100% |
| NASDAQ-100 Index Pt-to-Pt with Cap (Growth Cap) | 6.03% | 9.50% | 0.00% | 100% |
| S&P MARC 5% Excess Return Index Pt-to-Pt Uncapped (Low Volatility) | 6.03% | n/a | 0.00% | 180% |
| One Year Declared Rate | 3.10% | n/a | 0.00% | n/a |
Ameritas – FLX Living Benefits Index UL
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| S&P 1-Year Point-to-Point (with Cap) | 5.77% | 9.00% | 0.00% | 100% |
| S&P 1-Year Point-to-Point (with Par and Cap) | 5.48% | 5.75% | 0.00% | 140% |
| S&P 2-Year Point-to-Point (with Cap) | 5.77% | 19.00% | 0.00% | 100% |
| Russell 2000 1-Year Point-to-Point (with Cap) | 5.49% | 8.75% | 0.00% | 100% |
| Uncapped BNP MMA 1-Yr | 5.77% | n/a | 0.00% | 185% |
| Uncapped BNP MMA 2-Yr | 5.77% | n/a | 0.00% | 250% |
| Fixed Account | 4.00% | n/a | n/a | 100% |
Ameritas – Growth Index UL
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| Capped S&P 500 1-Yr | 5.64% | 8.75% | 0.00% | 100% |
| Capped S&P 500 Monthly | 5.16% | 3.00% | 0.00% | 100% |
| Capped S&P 500 2-Yr | 5.64% | 19.00% | 0.00% | 100% |
| Capped S&P 500 High Par | 5.48% | 5.75% | 0.00% | 140% |
| Capped Russell 2000 | 5.49% | 8.75% | 0.00% | 100% |
| Uncapped BNP MMA 1-Yr | 5.64% | n/a | 0.00% | 185% |
| Uncapped BNP MMA 2-Yr | 5.64% | n/a | 0.00% | 250% |
| Capped MSCI EAFE | 5.22% | 9.25% | 0.00% | 100% |
| Fixed | 3.90% | n/a | n/a | n/a |
Ameritas – Value Plus IUL
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| Capped S&P 500 1-Yr | 4.96% | 7.50% | 0.00% | 100% |
| Capped S&P 500 2-Yr | 4.96% | 16.00% | 0.00% | 100% |
| Capped Russell 2000 | 4.80% | 7.50% | 0.00% | 100% |
| Uncapped BNP MMA 1-Yr | 4.96% | n/a | 0.00% | 165% |
| Uncapped BNP MMA 2-Yr | 4.96% | n/a | 0.00% | 215% |
| Capped MSCI EAFE | 4.51% | 7.75% | 0.00% | 100% |
| Fixed | 3.80% | n/a | n/a | n/a |
Ameritas – Ameritas Value Plus Survivor Index UL
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| Capped S&P 500 – 1 Yr | 4.96% | 7.50% | 0.00% | 100% |
| Capped S&P 500 2-Yr | 4.96% | 16.00% | 0.00% | 100% |
| Capped Russell 2000 | 4.80% | 7.50% | 0.00% | 100% |
| Uncapped BNP MMA 1-Yr | 4.96% | n/a | 0.00% | 165% |
| Uncapped BNP MMA 2-Yr | 4.96% | n/a | 0.00% | 215% |
| Capped MSCI EAFE | 4.51% | 7.75% | 0.00% | 100% |
| Fixed Account | 3.80% | n/a | 1.00% | n/a |
Columbus Life – Expedition SIUL
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| Capped Annual Point-to-Point Indexed Account – 0% MGIR | 6.01% | 9.50% | 0.00% | 100% |
| Uncapped Annual Point to Point with Spread – 0% MGIR | 4.24% | S: 15.00% | 0.00% | 100% |
| Uncapped Monthly Averaging Indexed Account – 0% MGIR | 2.00% | n/a | 0.00% | 30% |
| Capped Annual Point-to-Point Indexed Account – 1% MGIR | 4.65% | 6.50% | 1.00% | 100% |
| Uncapped Annual Point to Point with Spread – 1% MGIR | 4.52% | S: 15.00% | 1.00% | 100% |
| Uncapped Monthly Averaging Indexed Account – 1% MGIR | 2.34% | n/a | 1.00% | 30% |
| Fixed | 4.20% | n/a | n/a | n/a |
Columbus Life – Indexed Explorer Plus UL 2019
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| Capped Annual Point-to-Point Indexed Account – 0% MGIR | 6.01% | 9.50% | 0.00% | 100% |
| Uncapped Annual Point-to-Point with Spread – 0% MGIR | 4.24% | S: 15.00% | 0.00% | 100% |
| Uncapped Monthly Averaging Indexed Account – 0% MGIR | 2.00% | n/a | 0.00% | 30% |
| Capped Annual Point-to-Point Indexed Account – 1% MGIR | 4.65% | 6.50% | 1.00% | 100% |
| Uncapped Annual Point-to-Point with Spread – 1% MGIR | 4.52% | S: 15.00% | 1.00% | 100% |
| Uncapped Monthly Averaging Indexed Account – 1% MGIR | 2.34% | n/a | 1.00% | 30% |
| Fixed | 4.20% | n/a | n/a | n/a |
Corebridge Financial – Max Accumulator+ III IUL
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| Blend Participation Rate Account – MLSB | 6.93% | n/a | 0.00% | 100% |
| Global Blend Par Rate Account – PIMCO | 6.55% | n/a | 0.00% | 75% |
| Dividend Blend Par Rate Account – FQD | 5.23% | n/a | 0.00% | 100% |
| High Cap Rate Account – S&P 500 | 6.93% | 11.50% | 0.00% | 100% |
| Declared Interest – Fixed Account | 3.55% | n/a | 2.00% | n/a |
Corebridge Financial – Value+ Protector III IUL
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| Blend Participation Rate Account – MLSB | 6.24% | n/a | 0.00% | 90% |
| Global Blend Par Rate Account – PIMCO | 6.12% | n/a | 0.00% | 70% |
| Dividend Blend Par Rate Account – FQD | 5.23% | n/a | 0.00% | 100% |
| Cap Rate Account – S&P 500 | 6.24% | 10.00% | 0.00% | 100% |
| Declared Interest – Fixed Account | 2.75% | n/a | 2.00% | n/a |
Equitable Financial – BrightLife Grow Series 159
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| Annual S&P 500 | 4.03% | 6.00% | 0.00% | 100% |
| Annual Russell 2000 | 3.51% | 5.50% | 0.00% | 100% |
| Annual EAFE | 3.34% | 5.50% | 0.00% | 100% |
| 3 Year S&P | 4.33% | 25.00% | 0.00% | 100% |
| Guaranteed Interest Account | 2.00% | n/a | n/a | n/a |
Fidelity and Guaranty Life – FG Everlast
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| S&P Annual PTP 100% PAR | 6.28% | 10.00% | 0.25% | 100% |
| S&P Annual PTP 140% PAR | 5.24% | 7.75% | 0.25% | 140% |
| S&P Monthly PTP | 5.26% | 3.00% | 0.25% | 100% |
| S&P Annual PTP 3% GUAR | 5.26% | 6.50% | 3.00% | 100% |
| Barclays Annual PTP 160% PAR w/Spread | 4.45% | S: 0.00% | n/a | 160% |
| Fixed Option | 4.25% | n/a | n/a | n/a |
Fidelity and Guaranty Life – FG Freedom
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| S&P Annual PTP 100% PAR | 7.16% | 12.00% | 0.25% | 100% |
| S&P Annual PTP 140% PAR | 6.28% | 9.50% | 0.25% | 140% |
| S&P Monthly PTP | 6.27% | 3.50% | 0.25% | 100% |
| Barclays Annual PTP 190% PAR w/Spread | 5.23% | S: 0.00% | 0.25% | 190% |
| DJ US Real Estate Daily Risk Contol 10% USD Total Return Index | 7.02% | S: 3.10% | n/a | 100% |
| Fixed Option | 4.75% | n/a | n/a | n/a |
Fidelity and Guaranty Life – FG Gold
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| S&P Annual PTP 100% PAR | 6.96% | 11.50% | 0.00% | 100% |
| Gold Price Option | 6.29% | 16.00% | 0.00% | 100% |
| DJ US Real Estate Daily Risk Contol 10% USD Total Return Index | 6.94% | S: 3.25% | 0.00% | 100% |
| Barclays Annual PTP 180% PAR w/Spread | 4.97% | S: 0.00% | 0.00% | 180% |
| Fixed Option | 4.50% | n/a | n/a | n/a |
Fidelity and Guaranty Life – FG Pathsetter
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| S&P Annual PTP 100% PAR | 7.16% | 12.00% | 0.25% | 100% |
| S&P Annual PTP 100% PAR w/1% Bonus | 5.75% | 9.00% | 0.25% | 100% |
| S&P Annual PTP 140% PAR | 6.28% | 9.50% | 0.25% | 140% |
| S&P Monthly PTP | 6.27% | 3.50% | 0.25% | 100% |
| Barclays Trailblazer Sectors 5 Annual PTP Par 145% with 1% Bonus | 4.06% | S: 0.00% | 0.25% | 145% |
| Fixed Option | 4.75% | n/a | n/a | n/a |
Global Atlantic – Global Accumulator IUL
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| One Year Point to Point | 5.90% | 9.25% | 0.00% | 100% |
| One Year Point to Point Increased Participation | 4.76% | 6.75% | 0.00% | 200% |
| One Year Point to Point Volatility Control | 5.42% | 12.75% | 0.00% | 200% |
| Smart Buy-Up Secure | 5.90% | 9.25% | 0.00% | 100% |
| Smart Buy-Up Performance | 5.90% | 9.25% | 0.00% | 100% |
| One Year Fixed | 3.45% | n/a | n/a | n/a |
Global Atlantic – Lifetime Builder ELITE 2020
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| One Year Point to Point | 6.52% | 10.50% | 0.00% | 100% |
| One Year Point to Point Increased Participation | 5.42% | 7.75% | 0.00% | 200% |
| One Year Point to Point Elevated Cap | 6.52% | 14.75% | 0.00% | 100% |
| One Year Monthly Cap | 6.00% | 3.40% | 0.00% | 100% |
| Two Year Point to Point | 6.52% | 24.00% | 0.00% | 100% |
| One Year Fixed | 3.65% | n/a | n/a | n/a |
Global Atlantic – Lifetime Foundation ELITE
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| One Year Point to Point | 5.90% | 9.25% | 0.00% | 100% |
| One Year Point to Point Increased Participation | 5.58% | 8.00% | 0.00% | 200% |
| One Year Point to Point Elevated Cap | 5.90% | 11.25% | 0.00% | 100% |
| One Year Monthly Cap | 4.72% | 2.80% | 0.00% | 100% |
| Two Year Point to Point | 5.90% | 21.50% | 0.00% | 100% |
| One Year Fixed | 3.35% | n/a | n/a | n/a |
John Hancock – Accumulation IUL 21
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| Base Select Capped Account | 5.23% | 8.00% | 0.00% | 100% |
| Base Capped Two Year Account | 6.10% | 21.00% | 0.00% | 100% |
| Barclays Global MA Bonus Account | 6.10% | n/a | 0.00% | 105% |
| Barclays Global MA Classic Account | 6.10% | n/a | 0.00% | 130% |
| Core Capped Account | 5.57% | 8.75% | 0.00% | 100% |
| Core High Capped Account | 6.22% | 10.00% | 0.00% | 100% |
| Core High Par Capped Account | 5.16% | 7.50% | 0.00% | 160% |
| Enhanced Capped Account | 5.38% | 9.50% | 0.00% | 100% |
| Enhanced High Capped Account | 6.16% | 12.00% | 0.00% | 100% |
| Fixed Account | 3.65% | n/a | n/a | n/a |
John Hancock – Protection IUL 22
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| Base Select Capped Account | 5.51% | 8.50% | 0.00% | 100% |
| Base Capped Two Year Rate | 6.51% | 24.00% | 0.00% | 100% |
| Barclays Global MA Bonus Rate | 6.51% | n/a | 0.00% | 105% |
| Barclays Global MA Classic Rate | 6.51% | n/a | 0.00% | 130% |
| Core Capped Account | 5.07% | 7.75% | 0.00% | 100% |
| Core High Capped Account | 6.16% | 10.00% | 0.00% | 100% |
| Core High Par Capped Account | 4.83% | 7.00% | 0.00% | 160% |
| Fixed Account | 4.05% | n/a | n/a | n/a |
John Hancock – Protection SIUL 22
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| Base Select Capped Account | 5.51% | 8.50% | 0.00% | 100% |
| Base Capped Two Year Rate | 6.51% | 24.00% | 0.00% | 100% |
| Barclays Global MA Bonus Rate | 6.51% | n/a | 0.00% | 105% |
| Barclays Global MA Classic Rate | 6.51% | n/a | 0.00% | 130% |
| Capped Rate | 5.07% | 7.75% | 0.00% | 100% |
| High Capped Rate | 6.16% | 10.00% | 0.00% | 100% |
| High Par Capped Rate | 4.83% | 7.00% | 0.00% | 160% |
| Fixed Rate | 4.05% | n/a | 2.00% | n/a |
Lincoln Financial – Lincoln WealthAccumulate 2 IUL (2020)-05/10/21
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| Fidelity AIM Dividend Fixed Bonus Indexed Account | 4.58% | n/a | 0.00% | 140% |
| Fidelity AIM Dividend High Participation Rate Indexed Account | 5.88% | n/a | 0.00% | 180% |
| Multiplier Indexed Account | 5.62% | 9.50% | 0.00% | 100% |
| Traditional Indexed Account | 6.27% | 10.00% | 0.00% | 100% |
| Fixed Bonus Indexed Account | 5.83% | 9.00% | 0.25% | 100% |
| Performance Trigger Indexed Account | 5.50% | 7.50% | n/a | n/a |
| Fixed Account | 2.00% | n/a | n/a | n/a |
Lincoln Financial – WealthPreserve 2 IUL (2020)-02/13/23
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| Fidelity AIM Dividend Fixed Bonus Indexed Account | 6.27% | n/a | 0.00% | 140% |
| Fidelity AIM Dividend High Participation Rate Indexed Account | 6.27% | n/a | 0.00% | 180% |
| Traditional Indexed Account | 6.27% | 10.00% | 0.00% | 100% |
| Fixed Bonus Indexed Account | 5.83% | 9.00% | 0.25% | 100% |
| Performance Trigger Indexed Account | 5.50% | 7.50% | n/a | 100% |
| Fixed Account | 2.00% | n/a | n/a | n/a |
Lincoln Financial – WealthPreserve 2 Survivorship IUL (2022)-02/13/23
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| Fidelity AIM Dividend Fixed Bonus Indexed Account | 6.27% | n/a | 0.00% | 140% |
| Fidelity AIM Dividend High Participation Rate Indexed Account | 6.27% | n/a | 0.00% | 180% |
| Multiplier Indexed Account | 5.62% | 9.50% | 0.00% | 100% |
| Traditional Indexed Account | 6.27% | 10.00% | 0.00% | 100% |
| Fixed Bonus Indexed Account | 5.83% | 9.00% | 0.25% | 100% |
| Performance Trigger Indexed Account | 5.50% | 7.50% | n/a | 100% |
| Fixed Account | 2.00% | n/a | n/a | n/a |
Mutual of Omaha – Income Advantage
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| One-Year 100% Participation Account | 6.28% | 10.00% | 0.00% | 100% |
| One Year High Participation Account | 4.82% | 7.00% | 0.00% | 140% |
| One Year Uncapped Account | 5.92% | n/a | 0.00% | 50% |
| Fixed Account | 3.50% | n/a | n/a | n/a |
Mutual of Omaha – Life Protection Advantage
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| One Year 100% Participation Account | 5.51% | 8.50% | 0.00% | 100% |
| One Year High Participation Account | 4.18% | 6.00% | 0.00% | 140% |
| One Year Uncapped Account | 4.76% | n/a | 0.00% | 40% |
| Fixed Account | 3.25% | n/a | n/a | n/a |
National Life – NL FlexLife
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| S&P 500 Point to Point Cap Focus | 5.92% | 9.25% | 0.00% | 100% |
| S&P 500 Point to Point Participation Focus | 4.51% | 6.50% | 0.00% | 140% |
| S&P 500 Point to Point 1% Floor | 4.82% | 6.75% | 1.00% | 100% |
| Credit Suisse Balanced Trend Index Point to Point No Cap | 5.92% | n/a | 0.00% | 130% |
| US Pacesetter Index Point to Point No Cap | 5.92% | n/a | 0.00% | 130% |
| Fixed Term | 2.60% | n/a | n/a | n/a |
National Life – LSW SummitLife
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| S&P 500 Point to Point Cap Focus | 5.92% | 9.25% | 0.00% | 100% |
| S&P 500 Point to Point Participation Focus | 4.51% | 6.50% | 0.00% | 140% |
| S&P 500 Point to Point 1% Floor | 4.82% | 6.75% | 0.00% | 100% |
| Credit Suisse Balanced Trend Index Point to Point No Cap | 5.92% | n/a | 0.00% | 130% |
| US Pacesetter Index Point to Point No Cap | 5.92% | n/a | 0.00% | 130% |
| Fixed Account | 2.60% | n/a | n/a | n/a |
National Life – SurvivorLife NL
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| S&P 500 Point to Point Cap | 5.92% | 9.25% | 0.00% | 100% |
| S&P 500 Point to Point Participation | 4.51% | 6.50% | 0.00% | 140% |
| S&P 500 Point to Point 1% Floor | 4.82% | 6.75% | 1.00% | 100% |
| Credit Suisse Balanced Trend Index Point to Point No Cap | 5.92% | n/a | 0.00% | 130% |
| US Pacesetter Index Point to Point No Cap | 5.92% | n/a | 0.00% | 130% |
| Fixed Term Strategy | 2.60% | n/a | 1.00% | n/a |
Nationwide – Indexed UL Accumulator II 2020
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| 1-Yr Multi Index | 6.03% | 10.25% | 0.00% | 100% |
| 1-Yr S&P 500 Annual Pt to Pt | 6.03% | 9.50% | 0.00% | 100% |
| 1-Yr Uncapped S&P 500 Pt to Pt [After Spread] | 5.46% | S: 10.00% | 0.00% | 100% |
| 1-Yr High-Cap Multi-Index | 7.10% | 14.75% | 0.00% | 100% |
| 1-Yr High-Cap S&P 500 Point-to-Point | 7.10% | 12.50% | 0.00% | 100% |
| 1-Yr JP Morgan Mercury Plus | 5.33% | n/a | 0.00% | 155% |
| 1-Yr BNP Paribas Global H Factor Plus | 5.33% | n/a | 0.00% | 195% |
| 1-Yr JP Morgan Mercury High Par | 6.03% | n/a | 0.00% | 175% |
| 1-Yr BNP Paribas Global H Factor High Par | 6.03% | n/a | 0.00% | 220% |
| 1-Yr JP Morgan Mercury High Par Select | 7.10% | n/a | 0.00% | 215% |
| 1-Yr BNP Paribas Global H Factor High Par Select | 7.10% | n/a | 0.00% | 270% |
| Fixed | 2.75% | n/a | n/a | n/a |
Nationwide – Indexed UL Protector II 2020
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| 1-Yr Multi Index | 6.03% | 10.25% | 0.00% | 100% |
| 1-Yr S&P 500 Annual Pt to Pt | 6.03% | 9.50% | 0.00% | 100% |
| 1-Yr Uncapped S&P 500 Pt to Pt [After Spread] | 5.46% | S: 10.00% | 0.00% | 100% |
| 1-Yr High-Cap Multi-Index | 7.10% | 14.75% | 0.00% | 100% |
| 1-Yr High-Cap S&P 500 Point-to-Point | 7.10% | 12.50% | 0.00% | 100% |
| Fixed | 2.75% | n/a | n/a | n/a |
Nationwide – Survivorship Indexed UL 2020
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| 1-Yr Multi Index | 6.03% | 10.25% | 0.00% | 100% |
| 1-Yr S&P 500 Annual Point-to-Point | 6.03% | 9.50% | 0.00% | 100% |
| 1-Yr Uncapped S&P 500 Point-to-Point | 5.46% | S: 10.00% | 0.00% | 100% |
| 1-Yr High-Cap Multi Index | 7.10% | 14.75% | 0.00% | 100% |
| 1-Yr High-Cap S&P 500 Point-to-Point | 7.10% | 12.50% | 0.00% | 100% |
| Fixed | 2.75% | n/a | 1.00% | n/a |
North American – Builder Plus IUL 3
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| Fidelity Multifactor Yield Index SM 5% ER Annual Point to Point | 5.71% | n/a | 0.00% | 120% |
| S&P 500 Annual Point-to-Point | 5.92% | 9.30% | 0.00% | 100% |
| S&P 500 Annual Point to Point with Spread | 6.32% | S: 7.50% | 0.00% | 100% |
| High Par S&P 500 Annual Point to Point | 5.38% | 7.90% | 0.00% | 140% |
| Uncapped S&P 500 Annual Point-to-Point | 6.00% | n/a | 0.00% | 50.75% |
| S&P 500 Monthly Point-to-Point | 5.79% | 3.30% | 0.00% | 100% |
| S&P MidCap 400 Annual Point-to-Point | 5.74% | 8.25% | 0.00% | 100% |
| Russell 2000 Annual Point-to-Point | 5.24% | 8.25% | 0.00% | 100% |
| Fixed Account | 3.00% | n/a | n/a | n/a |
North American – Protection Builder IUL
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| Fidelity Multifactor Yield Index SM 5% ER Annual Point to Point | 5.94% | n/a | 0.00% | 125% |
| S&P 500 Annual Point-to-Point | 4.64% | 6.95% | 0.00% | 100% |
| S&P 500 Annual Point to Point with Spread | 6.00% | S: 8.50% | 0.00% | 100% |
| High Par S&P 500 Annual Point to Point | 4.24% | 6.10% | 0.00% | 140% |
| Uncapped S&P 500 Annual Point-to-Point | 4.46% | n/a | 0.00% | 37.5% |
| S&P 500 Monthly Point-to-Point | 3.92% | 2.45% | 0.00% | 100% |
| NASDAQ-100 Annual Point-to-Point | 4.72% | 6.35% | 0.00% | 100% |
| S&P MidCap 400 Annual Point-to-Point | 4.73% | 6.65% | 0.00% | 100% |
| Russell 2000 Annual Point-to-Point | 4.26% | 6.50% | 0.00% | 100% |
| EURO STOXX 50 Annual Point-to-Point | 4.45% | 7.45% | 0.00% | 100% |
| Multi-Index Group Annual Point-to-Point | 4.21% | 5.95% | 0.00% | 100% |
| Fixed Account | 3.00% | n/a | n/a | n/a |
North American – Smart Builder IUL 2
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| Fidelity Multifactor Yield Index SM 5% ER Annual Point to Point | 5.94% | n/a | 0.00% | 125% |
| S&P 500 Annual Point-to-Point | 4.37% | 6.50% | 0.00% | 100% |
| S&P 500 Annual Point to Point with Spread | 5.96% | S: 9.00% | 0.00% | 100% |
| High Par S&P 500 Annual Point to Point | 4.04% | 5.80% | 0.00% | 140% |
| Uncapped S&P 500 Annual Point-to-Point | 4.05% | n/a | 0.00% | 34% |
| S&P 500 Monthly Point-to-Point | 3.44% | 2.25% | 0.00% | 100% |
| NASDAQ-100 Annual Point-to-Point | 4.35% | 5.80% | 0.00% | 100% |
| S&P MidCap 400 Annual Point-to-Point | 4.17% | 5.80% | 0.00% | 100% |
| Russell 2000 Annual Point-to-Point | 3.85% | 5.80% | 0.00% | 100% |
| EURO STOXX 50 Annual Point-to-Point | 4.25% | 7.00% | 0.00% | 100% |
| Multi-Index Group Annual Point-to-Point | 3.98% | 5.60% | 0.00% | 100% |
| Fixed Account | 3.00% | n/a | n/a | n/a |
Ohio National – Virtus IUL II
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| S&P 500 | 6.00% | 9.50% | 0.00% | 100% |
| Russell 2000 | 4.90% | 7.75% | 0.00% | 100% |
| EURO STOXX 50 | 4.95% | 8.50% | 0.00% | 100% |
| Fixed Account | 2.50% | n/a | n/a | n/a |
Pacific Life – Pacific Discovery Xelerator IUL 2
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| 1 Year Select Volatility Control Indexed Account | 3.86% | n/a | 0.00% | 115% |
| 1 Year High Par Volatility Control Indexed Account | 4.37% | n/a | 0.00% | 130% |
| 1 Year High Cap Indexed Account | 6.06% | 10.00% | 0.00% | 100% |
| 1 Year Indexed Account | 4.91% | 7.50% | 0.00% | 100% |
| 1 Year International Indexed Account | 4.20% | 8.00% | 0.00% | 100% |
| 1 Year No Cap Indexed Account | 3.11% | S: 16.00% | 0.00% | 100% |
| 2 Year Indexed Account | 4.91% | 17.00% | 0.00% | 100% |
| High Par 5 Year Indexed Account | 4.89% | n/a | 0.00% | 105% |
| 1 Year High Par Indexed Account | 4.34% | 6.25% | 0.00% | 150% |
| Fixed Account | 2.25% | n/a | n/a | n/a |
Pacific Life – Pacific Horizon IUL
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| 1 Year Volatility Control Indexed Account | 5.54% | n/a | 0.00% | 165% |
| 1 Year High Par Volatility Control Indexed Account | 6.03% | n/a | 0.00% | 180% |
| 1 Year Indexed Account | 6.03% | 9.50% | 0.00% | 100% |
| 3 Year Indexed Account | 5.71% | 32.00% | 0.00% | 100% |
| Fixed Account | 2.25% | n/a | n/a | n/a |
Pacific Life – Pacific Horizon ECV IUL
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| 1 Year Volatility Control Indexed Account | 5.54% | n/a | 0.00% | 165% |
| 1 Year High Par Volatility Control Indexed Account | 6.03% | n/a | 0.00% | 180% |
| 1 Year Indexed Account | 6.03% | 9.50% | 0.00% | 100% |
| High Par 5 Year Indexed Account | 6.03% | n/a | 0.00% | 110% |
| Fixed Account | 2.25% | n/a | n/a | n/a |
Pacific Life – Pacific Horizon SIUL
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| 1 Year Volatility Control Indexed Account | 5.54% | n/a | 0.00% | 165% |
| 1 Year High Par Volatility Control Indexed Account | 6.03% | n/a | 0.00% | 180% |
| 1 Year Indexed Account | 6.03% | 9.50% | 0.00% | 100% |
| High Par 5 Year Indexed Account | 6.03% | n/a | 0.00% | 110% |
| Fixed Account | 2.25% | n/a | n/a | n/a |
Pacific Life – Pacific Indexed Accumulator 6
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| 1 Year Select Volatility Control Indexed Account | 3.86% | n/a | 0.00% | 115% |
| 1 Year High Par Volatility Control Indexed Account | 4.37% | n/a | 0.00% | 130% |
| 1 Year High Cap Indexed Account | 6.06% | 10.00% | 0.00% | 100% |
| 1 Year Indexed Account | 4.91% | 7.50% | 0.00% | 100% |
| 1 Year International Indexed Account | 4.20% | 8.00% | 0.00% | 100% |
| 1 Year No Cap Indexed Account | 3.11% | S: 16.00% | 0.00% | 100% |
| 2 Year Indexed Account | 4.91% | 17.00% | 0.00% | 100% |
| High Par 5 Year Indexed Account | 4.89% | 55.00% | 0.00% | 105% |
| 1 Year High Par Indexed Account | 4.34% | 6.25% | 0.00% | 150% |
| Fixed Account | 2.25% | n/a | n/a | n/a |
Pacific Life – Pacific Indexed Estate Preserver 3 2020
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| 1 Year Select Volatility Control Indexed Account | 3.86% | n/a | 0.00% | 115% |
| 1 Year High Par Volatility Control Indexed Account | 4.37% | n/a | 0.00% | 130% |
| 1 Year High Cap Indexed Account | 6.06% | 10.00% | 0.00% | 100% |
| 1 Year Indexed Account | 4.91% | 7.50% | 0.00% | 100% |
| 1 Year International Indexed Account | 4.20% | 8.00% | 0.00% | 100% |
| 1 Year No Cap Indexed Account | 3.11% | S: 16.00% | 0.00% | 100% |
| 2 Year Indexed Account | 4.91% | 17.00% | 0.00% | 100% |
| High Par 5 Year Indexed Account | 4.89% | 55.00% | 0.00% | 105% |
| 1 Year High Par Indexed Account | 4.34% | 6.25% | 0.00% | 150% |
| Fixed Account | 2.25% | n/a | 2.00% | n/a |
Pacific Life – Pacific Trident IUL
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| 1 Year High Cap Plus Indexed Account | 7.57% | 15.00% | 0.00% | 100% |
| 1 Year Plus Indexed Account | 3.37% | 5.00% | 0.00% | 100% |
| 1 Year High Cap Flex Indexed Account | 5.37% | 13.00% | 0.00% | 55% |
| 1 Year Indexed Account | 5.37% | 8.50% | 0.00% | 100% |
| 1 Year International Indexed Account | 4.64% | 9.00% | 0.00% | 100% |
| 1 Year No Cap Flex Indexed Account | 5.37% | S: 8.50% | 0.00% | 100% |
| 2 Year Indexed Account | 5.37% | 21.00% | 0.00% | 100% |
| High Par 5 Year Indexed Account | 5.37% | n/a | 0.00% | 110% |
| Fixed Account | 2.25% | n/a | n/a | n/a |
Penn Mutual – Accumulation IUL
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| Capped 1-Yr 1% Floor Indexed Account | 6.05% | 9.00% | 1.00% | 100% |
| Capped 1-Yr 0% Floor Indexed Account | 6.27% | 10.00% | 0.00% | 100% |
| Capped 1-Yr 0% Floor 3% Spread Index Account | 6.23% | 12.00% | 0.00% | 100% |
| Uncapped 1-Yr 1% Floor Indexed Account | 5.17% | n/a | 1.00% | 41% |
| Uncapped 1-Yr 0% Floor Indexed Account | 5.92% | n/a | 0.00% | 50% |
| Uncapped 2-Yr 0% Floor Indexed Account | 6.27% | n/a | 0.00% | 68% |
| Fixed Account | 3.25% | n/a | n/a | n/a |
Penn Mutual – Survivorship IUL
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| Capped 1-Yr 1% Floor Indexed Account | 6.05% | 9.00% | 1.00% | 100% |
| Capped 1-Yr 0% Floor Indexed Account | 6.27% | 10.00% | 0.00% | 100% |
| Capped 1-Yr 0% Floor 3% Spread Index Account | 6.23% | 12.00% | 0.00% | 100% |
| Uncapped 1-Yr 1% Floor Indexed Account | 5.17% | n/a | 1.00% | 41% |
| Uncapped 1-Yr 0% Floor Indexed Account | 5.92% | n/a | 0.00% | 50% |
| Uncapped 2-Yr 0% Floor Indexed Account | 6.27% | n/a | 0.00% | 68% |
| Fixed Account | 3.25% | n/a | n/a | n/a |
Penn Mutual – Survivorship Plus Select IUL
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| 1 Year S&P 500 | 5.38% | 7.75% | 1.00% | 100% |
| Uncapped 1 Year S&P 500 | 5.75% | S: 10.00% | 1.00% | 100% |
| High Participation 1 Year S&P 500 | 5.38% | 7.50% | 1.00% | 130% |
| 1 Year S&P Global BMI | 5.24% | 7.50% | 1.00% | 100% |
| 5 & 1 Year Blend S&P 500 | 5.75% | n/a | n/a | n/a |
| 5 & 1 Year Blend S&P 500: 1 Year | 3.73% | 5.00% | 1.00% | 100% |
| 5 & 1 Year Blend S&P 500: 5 Year | 40.52% | 60.00% | 1.00% | 100% |
| Fixed Account | 3.50% | n/a | 1.00% | n/a |
Principal – Indexed Universal Life Accumulation II
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| S&P 500 Price Return Point to Point | 5.77% | 9.00% | 0.00% | 100% |
| S&P 500 Price Return High Cap Point to Point | 6.84% | 13.00% | 0.00% | 100% |
| S&P 500 Total Return | 5.77% | 13.00% | 0.00% | 110% |
| Fixed Account | 4.15% | n/a | n/a | n/a |
Principal – IUL Flex II
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| S&P 500 Price Return Point to Point | 5.77% | 9.00% | 0.00% | 100% |
| S&P 500 Total Return Monthly Avg | 5.77% | 13.00% | 0.00% | 110% |
| Fixed Account | 4.15% | n/a | n/a | n/a |
Protective – Indexed Choice UL 8-22
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| Indexed | 5.77% | 9.00% | 0.00% | 100% |
| Fixed | 3.25% | n/a | 1.00% | n/a |
Prudential – PruLife Founders Plus Index UL (2023)
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| S&P 500 Indexed Account | 5.10% | 7.75% | 0.00% | 100% |
| Goldman Sachs Voyager Indexed Account | 2.95% | n/a | 0.00% | 100% |
| Fixed Account | 3.65% | n/a | 2.50% | n/a |
Prudential – PruLife Index Advantage UL (2020)
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| Indexed Account | 5.38% | 8.25% | 0.00% | 100% |
| Uncapped Indexed Account | 3.97% | S: 13.50% | 0.00% | 100% |
| Fixed Account | 4.10% | n/a | n/a | n/a |
Prudential – PruLife Survivorship Index UL
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| Indexed Account | 5.10% | 8.25% | 0.00% | 100% |
| Indexed Account with Multiplier | 5.10% | 7.00% | 0.00% | 100% |
| Uncapped Indexed Account | 4.46% | S: 12.25% | 0.00% | 100% |
| Fixed Account | 4.30% | n/a | 2.00% | n/a |
Securian Financial – Eclipse Accumulator IUL
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| S&P 500 | 5.22% | 8.00% | 0.00% | 100% |
| EUROSTOXX50 with 100% Participation | 5.11% | 8.50% | 0.00% | 100% |
| S&P 500 Low Volatility Uncapped | 4.48% | n/a | 0.00% | 45% |
| S&P PRISM 1 Year Uncapped | 5.22% | n/a | 0.00% | 120% |
| Rainbow Index: Blended | 5.22% | 8.25% | 0.00% | 100% |
| Fixed Account | 3.50% | n/a | n/a | n/a |
Securian Financial – Eclipse Protector II IUL
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| S&P 500 | 5.07% | 7.75% | 0.00% | 100% |
| EUROSTOXX50 with 100% Participation | 4.99% | 8.25% | 0.00% | 100% |
| S&P 500 Low Volatility Uncapped | 4.48% | n/a | 0.00% | 45% |
| Rainbow Index: Blended | 5.07% | 7.75% | 0.00% | 100% |
| Fixed Account | 3.50% | n/a | n/a | n/a |
Securian Financial – Eclipse Survivor II IUL
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| S&P 500 | 5.22% | 8.00% | 0.00% | 100% |
| EURO STOXX 50 | 5.11% | 8.50% | 0.00% | 100% |
| S&P 500 Low Volatility | 4.48% | n/a | 0.00% | 45% |
| S&P PRISM 1 Year Uncapped | 5.22% | n/a | 0.00% | 120% |
| Fixed Account | 3.50% | n/a | 2.00% | n/a |
Symetra – Symetra Accumulator Ascent IUL 2.0
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| Putnam Dynamic Low Volatility Fixed Bonus 1-Year Point to Point | 5.97% | n/a | 0.00% | 180% |
| Putnam Dynamic Low Volatility High Participation Rate 1-Year Point to Point | 6.97% | n/a | 0.00% | 212.50% |
| Symetra Allocation 1-Year Point to Point | 6.61% | S: 5.00% | 0.00% | 150% |
| Symetra Allocation 2-Year Point to Point | 6.61% | S: 3.00% | 0.00% | 190% |
| S&P 500 Index – Core | 6.52% | 10.50% | 0.00% | 100% |
| JP Morgan ETF Efficiente 5 Index – Core | 6.61% | n/a | 0.00% | 150% |
| Blended S&P 500 and JPMorgan ETF Efficiente 5 – Select Core | 6.36% | n/a | 0.00% | 100% Yr1; 190% Yr2 |
| Fixed Account | 5.25% | n/a | n/a | n/a |
Symetra – Symetra Protector IUL 5.0
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| Putnam Dynamic Low Volatility Index Fixed Bonus | 5.97% | n/a | 0.00% | 180.00% |
| Putnam Dynamic Low Volatility Index High Participation Rate | 6.97% | n/a | 0.00% | 212.50% |
| Symetra Allocation Index 1-Year Point-to-Point | 6.17% | S: 6.00% | 0.00% | 145% |
| Symetra Allocation Index 2-Year Point-to-Point | 6.17% | S: 5.00% | 0.00% | 175% |
| S&P 500 Index – Core | 6.02% | 9.50% | 0.00% | 100% |
| JPMorgan ETF Efficiente 5 Index – Core | 6.17% | n/a | 0.00% | 140% |
| Blended S&P500 and JP Morgan ETF Efficiente 5 – Core (2-Year) | 5.95% | n/a | 0.00% | 92.5% Yr1; 165% Yr2 |
| Fixed Account | 5.25% | n/a | n/a | n/a |
Transamerica – Transamerica Financial Choice IUL
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| Global Index Account | 6.00% | 10.75% | 0.25% | 100% |
| Global Plus Index Account | 7.00% | 14.00% | 0.25% | 100% |
| S&P 500 Index Account | 6.00% | 9.50% | 0.25% | 100% |
| S&P 500 Plus Index Account | 7.00% | 12.00% | 0.25% | 100% |
| Fidelity SMID Multifactor IndexSM Account | 6.00% | n/a | 0.25% | 200% |
| Basic Interest Account | 2.50% | n/a | 2.00% | n/a |
Transamerica – Transamerica Financial Foundation IUL
Indicates accounts used in LifeTrends benchmarking.
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| Global Index Account | 7.00% | 13.00% | 0.75% | 100% |
| S&P 500 Index Account | 7.00% | 12.00% | 0.75% | 100% |
| Basic Interest Account | 3.50% | n/a | 2.00% | n/a |
VUL
Guardian – Flexible Solutions VUL (2018)
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| S&P 500 Index (Price Return) | 6.01% | 10.00% | 0.00% | 100% |
Equitable Financial – VUL Legacy
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| Standard S&P 500 – 10% Downside Protection | 6.00% | 17.00% | n/a | 100% |
| Standard S&P 500 – 15% Downside Protection | 6.00% | 14.25% | n/a | 100% |
| Standard S&P 500 – 20% Downside Protection | 6.00% | 12.25% | n/a | 100% |
| Step Up S&P 500 – 10% Downside Protection | 6.00% | 12.25% | n/a | 100% |
| Dual Direction S&P 500 – 10% Downside Protection | 6.00% | 14.50% | n/a | 100% |
| Guaranteed Interest Account | 3.00% | n/a | 1.50% | n/a |
Equitable Financial – VUL Optimizer
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| Standard S&P 500 – 10% Downside Protection | 6.00% | 17.00% | n/a | 100% |
| Standard S&P 500 – 15% Downside Protection | 6.00% | 14.25% | n/a | 100% |
| Standard S&P 500 – 20% Downside Protection | 6.00% | 12.25% | n/a | 100% |
| Step Up S&P 500 – 10% Downside Protection | 6.00% | 12.25% | n/a | 100% |
| Dual Direction S&P 500 – 10% Downside Protection | 6.00% | 14.50% | n/a | 100% |
| Guaranteed Interest Account | 3.00% | n/a | 1.50% | n/a |
John Hancock – Accumulation VUL 21
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| Base Capped Account | 4.08% | 6.00% | 0.25% | 100% |
| Base High Par Capped Account | 4.04% | 5.75% | 0.25% | 160% |
| Base Capped Two Year Rate | 5.31% | 16.00% | 0.25% | 100% |
| Core High Capped Rate | 6.86% | 11.25% | 0.25% | 100% |
| Fixed Account | 2.85% | n/a | 1.00% | n/a |
Lincoln Financial – AssetEdge VUL (2022) – 01/24/22
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| Fidelity AIM Dividend High Par Indexed Account | 8.67% | n/a | 0.00% | 180% |
| Fidelity AIM Dividend Fixed Bonus Account | 6.78% | n/a | 0.00% | 140% |
| Fidelity AIM Dividend Fixed Bonus Account | 6.78% | n/a | 0.00% | 140% |
| SP 500 Perform Indexed Account | 6.03% | 9.50% | 0.00% | 100% |
| SP 500 Conserve Indexed Account | 6.00% | 8.25% | 1.00% | 100% |
| Fixed Account | 2.00% | n/a | n/a | n/a |
Nationwide – VUL Accumulator
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| Multi-Index Monthly Avg Crediting Rate | 5.91% | 9.00% | 1.00% | 100% |
| Annual Pt to Pt Index Crediting Rate | 5.22% | 7.50% | 1.00% | 100% |
| 1-Yr Uncapped S&P 500 Pt-to-Pt Crediting Rate (after Spread) | 5.56% | S: 10.00% | 0.25% | 100% |
| Fixed Account | 2.50% | n/a | 1.00% | n/a |
| Long Term Fixed Account | 3.00% | n/a | 1.00% | n/a |
Nationwide – VUL Protector
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| Multi-Index Monthly Avg Crediting Rate | 5.91% | 9.00% | 1.00% | 100% |
| Annual Pt to Pt Index Crediting Rate | 5.22% | 7.50% | 1.00% | 100% |
| 1-Yr Uncapped S&P 500 Pt-to-Pt Crediting Rate (after Spread) | 5.56% | S: 10.00% | 0.25% | 100% |
| Fixed Account | 2.50% | n/a | 1.00% | n/a |
| Long Term Fixed Account | 3.00% | n/a | 1.00% | n/a |
Pacific Life – Pacific Admiral VUL
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| 1 Year Indexed Account | 5.51% | 8.50% | 0.00% | 100% |
| 1 Year No Cap Indexed Account | 5.45% | S: 10.00% | 0.00% | 100% |
| 1 Year High Cap Plus Indexed Account | 8.31% | 15.00% | 0.00% | 100% |
| Fixed Account | 2.60% | n/a | 1.00% | n/a |
| Fixed LT Account | 3.00% | n/a | 1.00% | n/a |
Pacific Life – Pacific Select VUL 2
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| 1 Year Indexed Account | 420.00% | 5.75% | 1.00% | 100% |
| 1 Year High Par Indexed Account | 4.30% | 5.75% | 1.00% | 150% |
| 1 Year No Cap Indexed Account | 5.99% | S: 10.00% | 1.00% | 100% |
| Fixed Account | 3.60% | n/a | 2.00% | n/a |
| Fixed LT Account | 4.00% | n/a | 2.00% | n/a |
Penn Mutual – Diversified Advantage VUL
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| Classic 1% Floor S&P 500 | 6.56% | 10.00% | 1.00% | 100% |
| Enhanced S&P 500 | 6.51% | 10.50% | 0.00% | 100% |
| Uncapped S&P 500 | 9.85% | n/a | 0.00% | 85% |
| Traditional Fixed Account | 3.50% | n/a | 2.00% | n/a |
Prudential – Prudential FlexGuard Life IVUL (2022)
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| 1 Yr S&P 500 Cap Rt 0% Floor | 4.68% | 7.00% | 0.00% | 100.00% |
| 1 Yr S&P 500 Cap Rt 10% Buffer | 7.00% | 21.00% | n/a | 100.00% |
| 1 Yr S&P 500 9% Step Rt Plus 10% Buffer | 7.00% | n/a | n/a | 70% |
| Fixed Rate Option | 3.00% | n/a | 1.00% | n/a |
Prudential – PruLife Custom Premier II (2019)
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| Indexed Account | 4.51% | 6.25% | 1.00% | 100% |
| Fixed Account | 3.50% | n/a | 1.00% | n/a |
Securian Financial – Premier VUL
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| S&P 500 100% Participation | 4.93% | 7.50% | 0.00% | 100% |
| S&P 500 140% Participation | 4.73% | 5.00% | 0.00% | 140% |
| S&P 500 Low Volatility Uncapped | 5.46% | n/a | 0.00% | 55% |
| Optimizer 1-S&P 500 100% Participation | 6.99% | 10.50% | 1.00% | 100% |
| Optimizer 2-S&P 500 Non-Guar Participation | 8.07% | n/a | 0.00% | 65% |
| Guaranteed Interest Account | 3.50% | n/a | 2.00% | n/a |
Securian Financial – VUL Defender
| Indexed Account | Max IR | Cap / Spread Rate | Floor | Par Rate |
|---|---|---|---|---|
| S&P 500 100% Participation | 4.34% | 6.50% | 0.00% | 100% |
| S&P 500 140% Participation | 4.04% | 4.25% | 0.00% | 140% |
| S&P 500 Low Volatility Uncapped | 4.97% | n/a | 0.00% | 50% |
| Guaranteed Interest Account | 2.40% | n/a | 2.00% | n/a |