Bonuses or multipliers: Comparing what’s under the hood
Indexed universal life insurance offers two popular ways to add vroom to a policy: bonuses and multipliers.
So, which is more impactful?
Multipliers act like turbochargers—amplifying positive index performance but at a strain. In 0% index performance years, any associated charges will be taken out, but there will be no boost to performance.
Bonuses, on the other hand, are like adding horsepower to the engine. They increase overall output even in 0% index performance years, often at no additional charge.
Same road. Different engines.
So how can you weigh the two in your client illustrations?
Bonuses or multipliers: Comparing what’s under the hood
Indexed universal life insurance offers two popular ways to add vroom to a policy: bonuses and multipliers.
So, which is more impactful?
Multipliers act like turbochargers—amplifying positive index performance but at a strain. In 0% index performance years, any associated charges will be taken out, but there will be no boost to performance.
Bonuses, on the other hand, are like adding horsepower to the engine. They increase overall output even in 0% index performance years, often at no additional charge.
Same road. Different engines.
So how can you weigh the two in your client illustrations?
Bonuses or multipliers: Comparing what’s under the hood
Indexed universal life insurance offers two popular ways to add vroom to a policy: bonuses and multipliers.
So, which is more impactful?
Multipliers act like turbochargers—amplifying positive index performance but at a strain. In 0% index performance years, any associated charges will be taken out, but there will be no boost to performance.
Bonuses, on the other hand, are like adding horsepower to the engine. They increase overall output even in 0% index performance years, often at no additional charge.
Same road. Different engines.
So how can you weigh the two in your client illustrations?
Bonuses or multipliers: Comparing what’s under the hood
Indexed universal life insurance offers two popular ways to add vroom to a policy: bonuses and multipliers.
So, which is more impactful?
Multipliers act like turbochargers—amplifying positive index performance but at a strain. In 0% index performance years, any associated charges will be taken out, but there will be no boost to performance.
Bonuses, on the other hand, are like adding horsepower to the engine. They increase overall output even in 0% index performance years, often at no additional charge.
Same road. Different engines.
So how can you weigh the two in your client illustrations?
Bonuses or multipliers: Comparing what’s under the hood
Indexed universal life insurance offers two popular ways to add vroom to a policy: bonuses and multipliers.
So, which is more impactful?
Multipliers act like turbochargers—amplifying positive index performance but at a strain. In 0% index performance years, any associated charges will be taken out, but there will be no boost to performance.
Bonuses, on the other hand, are like adding horsepower to the engine. They increase overall output even in 0% index performance years, often at no additional charge.
Same road. Different engines.
So how can you weigh the two in your client illustrations?
Bonuses or multipliers: Comparing what’s under the hood
Indexed universal life insurance offers two popular ways to add vroom to a policy: bonuses and multipliers.
So, which is more impactful?
Multipliers act like turbochargers—amplifying positive index performance but at a strain. In 0% index performance years, any associated charges will be taken out, but there will be no boost to performance.
Bonuses, on the other hand, are like adding horsepower to the engine. They increase overall output even in 0% index performance years, often at no additional charge.
Same road. Different engines.
So how can you weigh the two in your client illustrations?
Bonuses or multipliers: Comparing what’s under the hood
Indexed universal life insurance offers two popular ways to add vroom to a policy: bonuses and multipliers.
So, which is more impactful?
Multipliers act like turbochargers—amplifying positive index performance but at a strain. In 0% index performance years, any associated charges will be taken out, but there will be no boost to performance.
Bonuses, on the other hand, are like adding horsepower to the engine. They increase overall output even in 0% index performance years, often at no additional charge.
Same road. Different engines.
So how can you weigh the two in your client illustrations?
Bonuses or multipliers: Comparing what’s under the hood
Indexed universal life insurance offers two popular ways to add vroom to a policy: bonuses and multipliers.
So, which is more impactful?
Multipliers act like turbochargers—amplifying positive index performance but at a strain. In 0% index performance years, any associated charges will be taken out, but there will be no boost to performance.
Bonuses, on the other hand, are like adding horsepower to the engine. They increase overall output even in 0% index performance years, often at no additional charge.
Same road. Different engines.
So how can you weigh the two in your client illustrations?