There are key ratios in investing in RE and stocks like Cap rate, P/E ratio. One can quickly make decisions regarding RE or Stock in a flash. Similarly, for building CV in IULs we can have IRR/(the year it's reached) as a ratio. If an illustration shows an IRR of 5% reached in year 20, CV ratio is 5/20 = 0.25. Simply knowing an IRR is not enough, the faster it is achieved, the better. So far, the 0.25 is the best CV ratio that was shown to me. How high a CV Ratio is realistic in IULs? Can you share the best CV ratio you have designed?