IUL: It’s about the caps (long term)
December 4, 2025 by Sam Rocke
Indexed universal life has always been a bit of a lightning rod for controversy. Advocates suggest IUL has high upside potential with downside protection, while naysayers suggest the product is complicated and that poor market returns in the future will be a major challenge for policyholders.
It is true that future market returns are relevant to how these policies perform, but the bigger issue is the caps on the upside, which are typically set by the insurance carrier.
Originally Posted at InsuranceNewsNet on Dec 1, 2025 by Sam Rocke.
Categories: Industry Articles
