Cap rates: highest IUL

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 – 6.50% Index Spread Rate, Nationwide: “Nationwide Indexed UL Accumulator II 2020”, “Nationwide IUL Protector II 2020”

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”  

10.25%   Nationwide “Nationwide Indexed UL Accumulator II 2020”  

10.25%  Nationwide “Nationwide Indexed UL Protector II 2020”

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”

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”

25.00%  Nationwide, 1-Yr High-Cap Multi-Index Monthly Average (1% fee) “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”

9.25%  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

Uncapped – 6.50%  “Nationwide Survivorship Indexed UL 2020”

10.50%  Lincoln National “Lincoln WealthPreserve®2 Survivorship IUL 

10.25%   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 for IULSean 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 annual percent returns 1928-2023






S&P 500 index IUL growth does not include dividends


updated: 7/4/2024  – 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.

Nationwide: revised 7/4/2024   (revisions effective 7/15/24)
Prudential: revised 4/9/24
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