IUL Policy Charges

I noticed that this topic is not really discussed much. But I am trying to determine which life insurance carriers offer IUL with low fees, expenses and loads.

For exmaple would you consider the follow average, expensive or a good deal on a IUL:

- Premium load 5%
- Policy expense charge $8 a month (all years)
- Percent of account charge (annual) years 1-10, 0.60%

Thanks,
 
I noticed that this topic is not really discussed much. But I am trying to determine which life insurance carriers offer IUL with low fees, expenses and loads.

For exmaple would you consider the follow average, expensive or a good deal on a IUL:

- Premium load 5%
- Policy expense charge $8 a month (all years)
- Percent of account charge (annual) years 1-10, 0.60%

Thanks,

All IULs/ULs charge fees in a similar manner but not always the same.

The best way to compare is to look at the policy expense reports side by side.

Or just run illustrations at the same premium/crediting rate and see which one outperforms.
 
Good points above. I will add that talking about fees without talking about caps/minimum crediting rates will only give you part of the picture. Why are IUL caps so much higher than FIAs? The fees on an IUL allow the caps to be so much higher.

The fees are important, so are the terms of the contract. As stated above, run both at the same crediting rate and that should give you a much better picture.
 
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