[REPLAY] Mastering the Mechanics of IUL from Symetra

Recorded 04/09/2026 

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? 

Symetra sales leaders break down the carrier-driven factors that can shape indexed universal life (IUL) outcomes. This session covers the Nasdaq-100 Index^®, the role of charges, bonuses vs. multipliers, and why stress testing is essential in your client conversations.