My criteria was/is crystal clear, That's funny.and doesn't involve drawdown, only the end result when retirement actually arrives. Then, as pointed out numerous times, a B&H of an S&P 500 index fund has consistently beat the pants off a hypothetical B&H of a fund tied to the S&P 500 index level but with annual caps of 0% to the downside and 12% (or even slightly higher) on the upside, over any long term time horizon.I'm going to repeat that this is a separate issue from whether or not an Equity Indexed Universal Life insurance product (or a standard Variable Universal life product, or really ANY life insurance product) is a good fit for a prospective client. There are a number of objectives an individual may wish to attain, and life insurance of some form may be an appropriate tool (or even the best tool) to meet at least some of those objectives. But that is a much more complex and nuanced discussion that I don't feel comfortable making in depth on an internet discussion board.-synchronicity
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