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Real returns on an IUL — up over 18%!

IUL index crediting uses market-linked math with a 0% floor. Strong index years can produce meaningful credits; down or flat years credit zero — previous gains stay locked in.

Written byBrad CumminsFact checked byRyan Wood
1 min read
Real returns on an IUL — up over 18%!

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This short video shows how Indexed Universal Life (IUL) policies use indexing strategies to potentially generate strong returns while protecting your principal. Some policyholders are currently seeing results over 18% — all without market downside.

About Brad Cummins

Brad Cummins is the founder of Insurance Geek and primary author of its educational content. Licensed since 2004, he brings over 21 years of experience structuring life insurance and IUL strategies for clients nationwide.

Fact checked by Ryan Wood

Ryan Wood is a licensed insurance professional and contributing advisor at Insurance Geek, serving as a fact checker and technical reviewer for life insurance and annuity content. First licensed in 2013, he brings more than 12 years of experience and holds licenses in over 40 U.S. states.

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