Wow, great discussion, heated though it may be (when is that NOT the case on the internet?). Just to clarify, from a rank amateur: Is the basic premise here that index dividends only affect hedging/administrative costs of the IUL, occasionally lowering them at the discretion of the insurance company? I can see how that may be interpreted as inclusive in overall returns (lowered costs), but it strikes me as rather misleading (which seems to be the genesis of this entire discussion). That said, I've learned over the years that reading the fine print is imperative with ANY insurance investment product, and that their legal departments are particularly adept at deception within the confines of the law.Please let me know if I'm way off, though - it very possibly flew way over my head.
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