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IUL Tag

It's hard to know what illustrated rate is reasonable for an Indexed Universal Life product. Max rates use the caps and floors against historical data to determine a reasonable flat rate; however, it is easy to debate the applicability of the interest rate that results...

In the Indexed UL world, we tend to see a bright and sunny picture-typically very positive projections based on higher illustrated rates. Lately, this optimistic atmosphere has been further reinforced with the arrival of interest ...