Guaranteed Universal Life Insurance Rates

Universal Index Annuity

If you're going to use a small-cap index like the Russell 2000, you might want to stop and consider why a great index fund company, like Vanguard, does not have any type of funds that follow it. The reason is because it's a lousy index. As well as that changing your whole policy from one index to one more is hardly what I would call "rebalancing - group universal life insurance." Money value life insurance coverage isn't an attractive property class.

Equity Indexed Universal Life Policy

Iul Result

I have not even resolved the straw man below yet, and that is the fact that it is fairly rare that you actually have to pay either taxes or significant commissions to rebalance anyhow. A lot of smart capitalists rebalance as much as feasible in their tax-protected accounts.

Universal Life Policy Calculator

Iul Calculator

And of training course, nobody should be acquiring loaded mutual funds, ever. It's really also negative that IULs don't work.