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URL:  http://boards.fool.com/rayvt-iuls-are-indexed-to-the-raw-value-of-the-30609914.aspx

Subject:  Re: 7702 Private Plans (indexed universal life) Date:  3/27/2013  5:35 PM
Author:  gdett2 Number:  71513 of 75384

Rayvt,

IUL's are indexed to the raw value of the index, EXCLUDING dividends. People kinda think, "No big deal, the dividends are pretty small, so I'm not missing out on much." Wrong. If you started out with $10,000 in the S&P in 1993, using the price-only index it would be worth $34,000 today. But including dividends it would be worth $50,000. That's 45% more.

just to add to this: How many years was the S&P up over 12%? IUL's would not have participated in that.

Gene
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