Ray,It shows the account getting a steady return of ~8.8% per year, and ignores the fact that some years get 0% and some years get 12% (the floor & cap). This IUL design is 0-18, on the index blend I've explained.If it was even slightly shady, the regulators (a department for every state, plus the SEC, FTC & NASD) would drop on them like a bag of bricks.You're dodging.Dave DonhoffLeverage Planner
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