Legacy Protect Solutions · IUL basics

Upside with a cap. Downside with a floor.

An Indexed Universal Life policy credits interest based on how a market index does, with limits on both ends. Move the sliders to see how those limits change what gets credited in good years and bad years.

The capThe most you can be credited in a year, even if the market does better.
The floorThe least you can be credited. Usually 0%, so a down market doesn't take your credited interest negative.
Sample market yearCredited

Year by year

Over 10 sample years

Market path, starting at 100
Cap & floor path, starting at 100
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Educational example only. Market years shown are made up for illustration and are not actual index returns. Caps, floors and participation rates vary by carrier and product, can change, and are set by the policy. This example assumes 100% participation and annual point-to-point crediting, and it ignores cost of insurance, policy fees, charges, loans and taxes, which reduce cash value. It does not show cash value, death benefit, or the results of any actual policy and is not a policy illustration. An IUL is a life insurance policy, not a direct investment in the market. Ask for a carrier-approved illustration before making any decision.