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Disclaimer:

Source: Yahoo Finance GSPC Historical Prices, Wikipedia and StandardsandPoors.com
1-This historical performance of the S&P 500® is not intended as an indication of its future performance and is not guaranteed. This graph is only intended to demonstrate how the S&P 500®, excluding
dividends, would be impacted by the hypothetical growth cap of 12.5% and the hypothetical floor of 0%, and is not a prediction of how any Indexed Universal Life Insurance product might have operated
had it existed over the period depicted above. The actual historical growth of an IUL product existing over the period depicted above may have been higher or lower than assumed, and likely would have
fluctuated subject to product guarantees. 2-This graph does not reflect the impact of life insurance policy charges or investment account fees, so the actual comparative values may vary from the chart
above.

How Do Funds Grow with “Indexing”?

Growth potential is one important consideration for your retirement assets. Protection? That’s one, too. IUL can address both of these concerns through the Power of indexing. Indexing is a method that enables policy holders to participate in a portion of the potential rise in the value of a stock market index, while being protected from a potential drop in the index’s value. 1- there are many different kinds of indexes. As an example, a common indexing method uses the S&P 500® with a cap and a floor. Blow is a comparison of $100,000 investment this century in stock reflected by the movement of the S&P 500® total return including dividend (red line) and the interest credited under an indexing method using the S&P 500® with a hypothetical cap of 12.5% and a floor of 0%(green line). 2- This comparison does not include any charges for the morality costs of life insurance nor any stock investment fees, so the actual comparative values may vary from what is shown.

$60,000

$80,000

$100,000

$120,000

$140,000

$160,000

$180,000

$200,000

$220,000

$240,000

$260,000

$280,000

00

01

02

03

04

06

07

08

09

10

11

12

13

14

15

05

0%

0%

0%

-9.10%

0%

-11.89%

0%

-22.10%

12.50%

28.68%

8.99%

10.88%

3.00%

4.91%

15.79%

12.50%

3.53%

5.45%

0%

-37.00%

12.50%

26.46%

12.50%

15.06%

2.11%

0%

12.50%

16.00%

12.50%

32.39%

13.69%

11.39%

0%

1.38%