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.
Maturity Dates: 12.15.23 - 12.15.24 *S&P 500 one-year point-to-point with a participation rate of 100% and a cap of 10%. **S&P 500 Uncapped one-year point-to-point with a current spread/threshold of 6.5%, a participation rate of 100%, and no cap. ***BlackRock Endura (available through Pacific Life) one-year point-to-point with a participation rate of 200%, with no cap, with an additional multiplier of 2.36 times (for an extra cost of 7.5%).
BEGINNING INDEX VALUE
ENDING INDEX VALUE
INDEX CHANGE RATE
SAMPLE IUL RETURN
INDEX
S&P 500
4719.55 6074.08
28.70% 10%*
S&P 500 Uncapped
4719.55 6074.08
28.70% 22.2%**
BlackRock Endura
127.31
136.32
7.08% 25.92%***
HOW IS YOUR IUL LASER FUND PERFORMING? Scan the QR code to use our IUL Performance Calculator to see your unique IUL index returns. While there, get a quick look at samples of actual recent returns on other available indexes (like the one to the right)!
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.
Up above, we showed the BlackRock Endura index with a multiplier, which is available exclusively from Pacific Life.
To understand how we arrived at the net return rate, here’s what to do: Start with the index return of 7.08% times a 200% participation rate, which equals 14.16% for your regular return. Then you multiply that by 2.36, for a gross return of 33.42%. Finally, you subtract the 7.5% multiplier cost, for the net return of 25.92%. Here you can see the impact of a multiplier, with your net return of 25.92% versus 14.16% (without the multiplier). Keep in mind, multipliers give you a great advantage during bull markets, but during bearish markets, you may want to turn them off.
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