also best par rates
Indexed Universal Life (IUL) current Cap Rates
Cap rate: The maximum growth rate percentage of interest credited to a policy regardless how well the index performs. For example, if a policy the underlying segment growth rate is 13% and the cap rate is 10%, the policy will receive a credit based on the cap rate of 10%. An Indexed Universal Life (IUL) minimum credited rate will never be less than 0% interest even if the segment growth rate was negative.
The cap rate is non-guaranteed and can be changed at the company’s discretion.
Highest IUL Cap Rates: S&P 500 Index One-Year Point-to-Point (except New York: see below)
Uncapped – 200% participation rate: Transamerica “Transamerica Financial Choice IUL” : Fidelity Small-Mid Multifactor Index(SM) Account
Uncapped – 200% participation rate: Securian S&P PRISM(SM) “Eclipse Accumulator IUL”
Uncapped – 8.75% Index Spread Rate, Nationwide: “Nationwide Indexed UL Accumulator II 2020”, “Nationwide Indexed UL Protector II 2020” (all states, except NY)
Uncapped – 5.00% Index Spread Rate: Symetra “Symetra Accumulator Ascent IUL”, “Protector IUL”
Uncapped – 10.00% threshold rate, Pacific Life “Pacific Discovery Xelerator IUL 2”
Uncapped – 7.25% Index Spread Rate: Prudential, “PruLife® Index Advantage UL (2020)”
Uncapped – 9.00% Index Spread Rate: American National “Signature Protection IUL”
Uncapped – 8.00% Index Spread Rate: American National “Signature Performance IUL”
Uncapped – 50% participation rate: United of Omaha “Income Advantage”
Uncapped – 65% participation rate: Securian, S&P 500 Low Volatility “Eclipse Accumulator IUL” “Eclipse Protector II IUL”
Uncapped – 40% participation rate: United of Omaha “Life Protection Advantage”
12.00% Transamerica “Transamerica Financial Foundation IUL®”
11.50% American General “Max Accumulator+ III”
10.50% Symetra “Accumulator Ascent IUL
10.50% Lincoln National “Lincoln WealthAccumulator®2 IUL (2020)”
10.50% Lincoln National “Lincoln WealthPreserve®2 IUL (2020)”
10.25% American National “Signature Performance IUL”
10.00% American General “Value+ Protector III”
10.00% United of Omaha “Income Advantage IUL”
10.00% Penn Mutual “Accumulation Indexed Universal Life”
10.00% Securian “Eclipse Accumulator IUL”
10.00% Nationwide “Nationwide Indexed UL Accumulator II 2020”
10.00% Nationwide “Nationwide Indexed UL Protector II 2020”
9.50% Lincoln National “Lincoln WealthAccelerate (SM) IUL”
9.50% Transamerica “Transamerica Financial Choice IUL(SM)”
9.50% American National “Signature Protection IUL”
9.25% United of Omaha “IUL Express”
9.00% Pacific Life “Pacific Life Horizon IUL”, “Pacific Horizon ECV IUL”
9.00% Protective “Protective Indexed Choice UL”
9.00% John Hancock “Accumulation IUL 23”
8.75% Symetra “Symetra Protector IUL 4.0”
8.50% United of Omaha “Life Protection Advantage IUL”
8.50% Pacific Life “Pacific Trident IUL”
8.25% Prudential “Prulife® Index Advantage UL (2020)”
8.50% American National “Signature Protection IUL”
8.50% Securian “Eclipse Protector II IUL”
8.00% Penn Mutual “Accumulation Builder Flex IUL”
8.00% Pacific Life “Pacific Indexed Accumulator 6”
7.75% John Hancock “Protection IUL 22” (7.25% effective March 15, 2024)
7.75% Prudential “PruLife® Founders Plus UL (2023)”
7.50% Pacific Life “Pacific Discovery Xelerator IUL 2” “Pacific Indexed Accumulator 6”
6.00% Equitable “BrightLife® Grow, Series 159”
Other Noteworthy High IUL Cap Rates
14.00% Transamerica Global Plus Index Account “Transamerica Financial Foundation IUL”
19.50% Nationwide, 1-Yr High-Cap Multi-Index “Nationwide Indexed UL Accumulator II 2020”, “Nationwide Indexed UL Protector II 2020” (all states except NY)
New York IUL Cap Rates
Uncapped – 12.75% Index Spread Rate, Nationwide: “Nationwide Indexed UL Accumulator”, “Nationwide Indexed UL Protector”
Uncapped – 7.75% Index Spread Rate, American National: “Signature Indexed Universal Life”
8.50% Nationwide “YourLife® Indexed UL Accumulator”, “Nationwide YourLife® Indexed UL Protector”
8.50% American National “Signature Indexed Universal Life”
7.80% United States Life of NY: “Value+ Protector III”
7.50% John Hancock “Accumulation IUL 21”
7.10% Securian “Eclipse Indexed Universal Life”
6.50% United States Life of NY “Max Accumulator+ II”
6.00% Equitable “BrightLife® Grow, Series 159”
Survivorship
10.50% Lincoln National “Lincoln WealthPreserve®2 Survivorship IUL
10.00% Nationwide “Nationwide Survivorship Indexed UL 2020”
10.00% Pacific Life “Pacific Horizon Survivorship IUL”
10.00% Penn Mutual “Survivorship Indexed Universal Life”
10.00% Securian “Eclipse Survivor II Indexed Universal Life”
9.00% John Hancock “Protection Survivorship Indexed UL”
8.25% Prudential “PruLife® Survivorship Index UL”
Please contact me for a free confidential quote
Sean Drummey
email: spdrummey@gmail.com
phone: (910) 328-0447
S&P 500 Historical Data Yahoo Finance
S&P Historical Prices by Month
S&P 500 index IUL growth does not include dividends
updated: 4/9/2024 – Cap rates are current and accurate to the best of my knowledge; cap rates are subject to change, increase or decrease; cap rates are non-guaranteed elements of Indexed Universal Life (IUL) products; incomplete compilation of all available carriers and IUL products.
Prudential: revised 4/9/24
Nationwide: revised 3/6/2024
Survivorship category added 3/4/2024
Lincoln National, Lincoln Financial Group: revised 2/13/2024
John Hancock: revised 2/6/2024
Prudential: revised 1/9/2024 (no IUL in NY)
American National: revised 8/30/2023
American National of NY: revised 8/30/2023
Equitable: checked 8/30/2023
Minnesota Life, Securian Financial: revised 8/21/2023
U.S. Life of New York, Corebridge Financial: revised 7/19/2023
American General, Corebridge Financial: checked 7/19/23
Accordia: removed 6/6/2023
Penn Mutual: revised 4/28/2023
Symetra: revised 4/25/2023
Protective: revised 3/21/2023
Transamerica: revised 2/14/2023
American National: revised 1/12/2023
Pacific Life: revised 1/4/2023
United of Omaha: checked 11/9/2022