Hi AJ,I know you've said this. But you haven't supplied anything that shows that the IUL terms include dividends.OK... I know referencing real financial facts is uncomfortable to some here... but it doesn't get easier to find than this;http://www.investopedia.com/articles/optioninvestor/03/12100...The credits received in an IUL is determined *partly* by the selected index price change... and also the floor & caps.The floor & caps are determined by the cost of buying the option spread.The cost of a given option spread includes the dividends.while the insurance companies may receive the dividend income from their investments, not all of them pass the dividend income along in their IUL income.100% of *ALL* IULs are built on option spreads.There is no choice but to include dividends in the IUL credits.Cheers,Dave DonhoffLeverage Planner
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