$25,000 a year might be above what you’re considering, but showing high premium is like a drag race to see how fast the car will go, fast as in building cash value, and then popping the chute, projecting how the retirement distribution performance. While pondering the unknowns of the future, it’s good to remember the strength of indexed universal life is knowing there is a floor to stand upon.īelow are figures to the same benchmark structure: male, age 44, great health puts in $25,000 a year for 20 years, and at age 65 the takes out tax-free retirement income for the next 20 years in the form of policy loans, with enough left over for a death benefit. Only time will tell on upside assumptions. Nationwide uses a weighted average multi-index blended strategy, 1 year monthly average, assuming a 7.6% index crediting. Lincoln assumes a 8.45% hypothetical return and Penn Mutual a 8.41%. ![]() The index selection for Lincoln and Penn Mutual is the S & P 500, 1 year point-to-point. Granted, it’s not a true apples-for-apples comparison. I’ve posted a series of comparisons analyzing the top performers for tax deferred cash accumulation and tax-free retirement distributions, so I plugged in those assumptions to see how Nationwide compared. ![]() Nationwide has a new IUL product called “Yourlife Indexed UL”.
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