EIUL Special Rate of Return Report

Click here to download the 2015 version of my EIUL Special ROR report.

What is contained in the EIUL Special ROR Report?

-It lists what various EIUL (Equity Indexed Universal Life) crediting strategies would have returned over the last 5-, 10-, and 20-year periods.

This includes:

-annual point-to-point with 100% participation with a 0% floor

-annual point-to-point with 140% participation with a 0% floor

-annual point-to-point with 100% participation with a 2% floor

-Blended index product that’s quite popular

–Global lookback product that is really interesting (and has by far the best numbers)

The report shows the likelihood that each product would return a certain rate of return 100%, 90%, 80%, 70%, and 50% of the time. Additionally, you’ll see the likelihood that each product would achieve an average rate of return of 7%, 7.5%, and 8%.

Who should download this report?

–Every insurance agent selling cash value life (even whole lifers who don’t like EIUL).

–Every insurance agent currently selling or thinking of selling EIUL (this will become a desk reference guide many agents will use to discuss why an EIUL policy makes sense to purchase as a wealth-building/retirement tool).

–Advisors selling VUL. In my opinion, with the advent of EIUL there, is no reason to sell a VUL if the goal is borrowing in retirement. VUL agents can use this summary to compare to their VUL historical returns.

The bottom line is that, if you are an insurance agent or if you are a financial planner, you need to know and have access to the numbers in this report.