No. of Recommendations: 7
IULs get their gains from option spreads, and the options include the dividends.

Show us, because everything I've seen and read shows IULs crediting the CV account with the change in the INDEX, which most definitely does not include dividends. The instruments the insurance company cares to invest in are irrelevant to the crediting of the account, which is dependent on the terms of the contract.

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