Ethical practices for marketing and selling IUL
October 28, 2025 by Randy Pierson
Indexed universal life insurance has continued to generate interest over the last decade as consumers seek principal protection and investment-linked growth potential in an uncertain equity market environment. Most recently, LIMRA reported that new IUL premiums shot up 31% in the second quarter of 2025, reaching $1.2 billion.
Wink’s Note: LIMRA reports a metric for life sales which is called Annualized (Recurring with Excess) Premium.
Wink tracks target premium for IUL sales— the amount of premium paid on a Universal Life policy, which is fully commissionable to the salesperson; one of two components of the commission paid to salespeople on all types of Universal Life insurance. Wink reported sales for the second quarter of 2025 were $829 million; up nearly 8% when compared with the previous quarter, and up more than 11% as compared to the same period last year. Read more at https://www.winkintel.com/2025/09/2q25_life_sales/
