A Review of Indexed Universal Life Considerations

IUL sales started to significantly increase in 2006, including through 2010 where third quarter sales increased 27% over the same period in 2009. See the IUL sales figures in the attached PDF. Predictions are that future IUL sales will continue to grow at double digit rates as many believe that the low interest rate environment will continue.

As demand for IUL continues to rise, so does the supply. With six new insurers entering the IUL market in the third quarter of 2010, at least 37 insurers now offer an IUL product. Here, we address the considerations that have generated from the increase in IUL market share.

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