I have provided factual proof to my statement;IUL credits include dividends (when the index used has dividends.)Then could you PLEASE post a link or a pdf or something from an IUL company that says this.Some authoritative source. Best would be a step-by-step list of how the credit amount is arrived at. I'm pretty sure I saw this once somewhere.Make it easy for us -- preferably use an index that we can easily get information about, like the S&P500 or the DJIA.And could you answer the question I posed last night in msg # 73247. (Maybe you already have but I just haven't see it you.)There is no IUL contract stating that dividends are excluded from the determination of the caps1) Non sequitur.2) We are talking about the amount credited to the account, not how the caps are set. Two completely different things.3) Do any IUL contracts state how the determination of the caps is made? ARM mortgages state in detail how the interest rate is determined -- do IUL contract have an equivalent clause?
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