[REPLAY] Demystifying Indexed Universal Life (IUL) Series from North American

Recorded 03/19/2026 

Index Credits (Part 2)

Index credits don’t have to be confusing. In Part 2 of Midland National’s Demystifying Indexed Universal Life (IUL) series, Tom Martin, Senior Life Product & Competition Analyst, walks through how index credits function in IUL products and why they matter. Gain practical insight to help you better understand and explain this key feature with confidence.  

Key Takeaways:

• Providing Index Crediting Bonds & Options
• Cap or Participation Rates
• Adjusting for the Unknown
• Policy Loans
• Participation with Protection
• Annuities Versus Life Insurance
• Portfolio Perspective