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In the land of Indexed Universal Life (IUL), the selected illustrated rate (IR) is one of the most debated factors considered when comparing product performance. Comparing products at their regulatory maximum IR can be overly optimistic, while a lower fixed return rate (such as 5%...

This tale begins with two opposite producers, Trusting Ted and Skeptical Steve – our somewhat unlikely heroes. Trusting Ted is very confident in carrier product design, selling policies through a rose-colored lens and always at the maximum illustrated rate based on his confidence in strong...

Participating loans have been around for some time now. Even after the second portion of AG-49 launched on March 1st, 2016, restricting illustrations to a 1% credit to the loaned amount, they continue to be very popular in the Indexed UL world....