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Subject:  Re: Retirement, college, and Obamanomics Date:  1/1/2013  4:39 PM
Author:  CCinOC Number:  71169 of 88504

IULs are complex financial instruments. Funny thing is, they put the warning information right out there in plain view, but almost nobody recognises it. "Indexed universal life uses the S&P 500 index. (excluding dividends) as the benchmark for crediting their cash value." All it takes is for a quick look to see the effect over a long term.

They don't all use the S&P 500 index solely.

They don't all exclude dividends.
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