No. of Recommendations: 7
Dwdonhoff: "I think the 2nd response by our actuary (the post immediately above yours, which suggests it hit while you were still writing this one) pretty clearly answers your questions.

IULs returns that are calculated on indexes that have dividends, include dividends in the returns. If dividends were to increase on that index, the caps would increase, and the IUL credits would increase (and vice versa.)"

Would increase? B.S. Might increase, but the IUL provider is not obligated to increase the caps if the dividends increase.

Regards, JAFO
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