No. of Recommendations: 2
IULs get their gains from option spreads, and the options include the dividends.
But as you pointed out earlier, how the *company* invests has no bearing on what the policyholder gets.

I mean--what you say is true, the effect of dividends is baked into the option premium, but it's not "there there", it's only the effect. But anyway, to you as a policyholder it matters. You neither know nor care where the company gets the money to pay you. That's their problem.

And, really, why do you think that all the IUL brochures very explicity say "index (excluding dividends)"?
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