Rayvt,IUL's are indexed to the raw value of the index, EXCLUDING dividends. People kinda think, "No big deal, the dividends are pretty small, so I'm not missing out on much." Wrong. If you started out with $10,000 in the S&P in 1993, using the price-only index it would be worth $34,000 today. But including dividends it would be worth $50,000. That's 45% more.just to add to this: How many years was the S&P up over 12%? IUL's would not have participated in that.Gene
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