To help you stay abreast of market conditions, here we provide a monthly snapshot of trending indexes, as well as a resource to monitor your individual IUL performance.
BEGINNING INDEX VALUE
ENDING INDEX VALUE
INDEX CHANGE RATE
SAMPLE IUL RETURN
INDEX
S&P 500
4505.42 5631.22
24.99% 10%*
S&P 500 Uncapped 6.5% Spread
4505.42 5631.22
24.99% 18.49%
Maturity Dates: 7.15.23 – 7.15.24 *S&P 500 one-year point-to-point with a participation rate of 100% and a cap of 10%. *S&P 500 one-year point-to-point with a participation rate of 100%, a current 6.5% spread, and no cap. HOW IS YOUR IUL LASER FUND PERFORMING? Scan the QR code to use our IUL Performance Calculator to see your unique IUL index returns. Get a quick look at other available indexes while you’re there!
To help you optimize your index strategies, here we offer index recommendations based on current market conditions. Consult with your IUL specialist for guidance in making any desired changes when your current segments come up for maturity. Recommendations are not guarantees of future performance.
We typically recommend a diversified approach, mixing a few index options to help you get the most out of market returns.
Above, we’ve shown the S&P 500 one-year point-to-point strategy with a cap, since many policyholders have that strategy as part of their index choices. We’ve also highlighted a similar S&P strategy, but this time with no cap (if your carrier offers this).
During seasons of high market returns, the S&P 500 one-year point-to-point with a current 6.5% spread and no cap allows you to enjoy bigger gains than you would with the S&P 500 one-year point-to-point with a cap. And of course, if the market goes down, all of your index choices protect your cash value from market volatility with a 0% guaranteed floor.
385-257-2577 7
Made with FlippingBook Ebook Creator