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URL:  http://boards.fool.com/kluverbucy-snip-iul-quotdistributionsquot-30625511.aspx

Subject:  Re: Strategy comparison S&P500 vs. IUL [rev 1] Date:  4/7/2013  1:44 AM
Author:  gdett2 Number:  71756 of 78166

KluverBucy,

[SNIP]IUL "distributions" are a loan and that the full account balance remains available for the crediting of any index gains. This of course means that the account balance may actually decline if the index gain i