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Subject:  Re: Strategy comparison S&P500 vs. IUL [rev 1] Date:  4/7/2013  5:22 PM
Author:  Rayvt Number:  71777 of 78299

[Note: I had a hard time believing some of these S&P500 final values. Didn't think they could be that high -- didn't pass the smell test.
So I cross-checked against VFINX, the Vanguard S&P500 index fund, with identical dates (1987-2013).
My spreadsheet figures came out very close to the VFINX figures, so I think the spreadsheet is indeed correct. Gain of 8.268 for VFINX vs. 8.377 for the spreadsheet].

Allianz Life Pro+ Fixed Index Universal Life Insurance
2% floor, 11% cap.
Ah, but with footnotes:
1) Cap ... will never be less than 2.50%
2) Annual floor ... will never be less than 1%.

Index is complex and includes bonds, so