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Subject:  Re: 7702 Private Plans (indexed universal life) Date:  3/27/2013  5:27 PM
Author:  Rayvt Number:  71512 of 79996

Here's the actual math analysis.

In another thread on another (but related) topic, we did an analysis on the actual historical monthly returns, to see how often the return was greater than an X% cap. We were all assuming that the number of months with a gain of 2% or more was small. The actual count was surprisingly large.

That thread was concerned with monthly returns, but for IULs it is more appropriate to do quarterly.
When they say "12% cap" they mean 1% a month or 3% a quarter, not 12% a year. The longer the period, the better it is for you. Th