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Author: Dwdonhoff Big gold star, 5000 posts Top Favorite Fools Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 75538  
Subject: Re: IUL credits *include* Dividends Date: 9/23/2013 6:25 PM
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Hi Ray,

It probably got lost in the dust-storm, but I made a post which examined the IUL figures, with an eye toward seeing if the evidence would support or refute the dividend claim. http://boards.fool.com/if-i-wanted-to-support-a-claim-such-a...... # 73169 I'm pretty sure that the data there contradicts your claim. Would you care to comment on the figures there?

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.)

Dave Donhoff
Leverage Planner

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http://www.youtube.com/watch?v=0nVvRwrgsGU
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