Agents love to call IUL crediting rate illustrations “conservative.” The numbers tell a very different story.
In this video, I break down exactly how indexed universal life crediting rates actually work, using a simplified version of the AG-49 lookback methodology, and show why the rates showing up on illustrations today aren’t conservative at all. If anything, they’re aggressive.
No sales pitch. No jargon overload. Just the math, explained plainly enough that anyone, including a kid, could follow the logic.
🔍 What you’ll learn:
• Why “conservative” crediting rate claims don’t hold up under independent modeling.
• How the AG-49 lookback calculation actually works (in plain English).
• Why illustrations at maximum allowable rates assume the market performs at unrealistic, level double-digit returns forever.
• Why lowering your crediting assumptions dramatically increases the probability your policy actually performs as designed If you own an IUL policy, or you’re an advisor, attorney, CPA, or trustee who works with clients who do, this is the kind of independent, no-commission-attached analysis most people never see before it’s too late.
📩 Considering an IUL policy or want a second opinion on one you already own?
Reach out: bill@oc-lic.com
