iul daily averaging or 1 year monthly average

Annual point to point is the ONLY strategy where the client will not question why he earned "less than market performance" with his investment. Every other alternative, while it may outperform, also risks that lovely conversation.
 
Annual point to point is the ONLY strategy where the client will not question why he earned "less than market performance" with his investment. Every other alternative, while it may outperform, also risks that lovely conversation.

Client will earn less than market performance? Why? because of policy expenses?

How much will be policy expenses percentage wise, to the index credit?

How many years will this be?
 
Yearly Point to Point is almost ALWAYS the best option on an IUL. Monthly average is usually less than the Yp2p. Daily average is usually less than monthly average. Participation rates with a spread can be a good one to mix in with the Yp2p.
 
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