Guarantees: Indexed UL carriers compared

 

Listed in order for strongest guarantees.   Please refer here for more details.

 

Aviva

2%      Basic index strategies           end of segment term compounded annually, and at contract termination
2%      Indexed strategies                end of segment term, compounded annually, and at contract termination

5  year no lapse guarantee
optional:  No-Lapse Guarantee Rider. up to age 121

 

Transamerica

2%    Basic Interest Account               Effective annual rate
1%    Index Account                           Effective annual rate

20 year no lapse guarantee                    or to age 65 ;  5 year, issues ages 61-85

 

Penn Mutual       “Accumulation Builder Choice IUL”

1%   Fixed Account                           Annually
1%   Indexed Account                       Annually

No lapse guarantee
Ages 0-55       30 years
Ages 56-79     to age 85
Ages 80-85     5 years

Lincoln

“Lincoln LifeReserve® Indexed UL Protector”

1%     Fixed Account                         Annually
1%     Indexed Account                     Annually

10 year no lapse guarantee

 

ING     “ING Indexed Universal Life-Global Choice”
2%   Fixed Account                           Annually
0%   Indexed Account                       Annually

1% per year    Overall policy guarantee

“ING Indexed Universal Life – Protector”
2% policy guarantee upon surrender or death


John Hancock

2.00%    Fixed Account                          Annual
2.00%    cumulative guarantee              contract termination

no lapse guarantee varies depending on issue age, risk class, gender

 

Nationwide     “Nationwide YourLife® Indexed UL”

2%  fixed account               (crediting period not directly stated in policy illustration)

20 year no lapse guarantee

 

North American   (contact me for details)

 

AXA Equitable

2%    “interest guarantee endorsement”            Contract termination, policy loan, cover monthly deductions

10 year no lapse guarantee to age 65       After age 65:
9 yr. age 66,
8 yr. age 67,
7 yr. age 68,
6 yr age 69,
70 – 85, 5 years

 

Minnestota Life

2%    Fixed Account     (effective 8/17/2013)                      Contract termination

 

 

last revised:  8/5/2013

Disclaimer: information is current and accurate to the best of my knowledge.  Product features and rates subject to change.   Please request a policy illustration and carrier information for further details.

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