U.S. Insurance Company Ranking: 2018 IUL Best Performance Company Top 5

#Columbus life
Columbus Life Insurance Company (Rating information)

If the user wants to get the cash value accumulated over the years as soon as possible and increase the cash value as soon as possible, we may recommendColumbus LifeOfIndex Explorer Plus®️product.Compared with other outstanding IUL policies, Columbus Life provides an enhanced cash value contract (Enhanced Cash Value) for the policy. Rider)", provides early cash value characteristics.

哥伦布人寿的指数型万能险(IUL)保单的1年期S&P500增长策略子账户的收益封顶为12%(2019年5月)。

(Recommended reading:What is an IUL policy growth strategy sub-account?）

At the same time, Columbus Life also provides an uncovered growth strategy sub-account that tracks the 1-year S&P500 index.This uncapped strategy still gives users 100%Participation Rate .This participation rate indicator applies when the S&P 500 index annual growth rate is less than or equal to 7% or the index annual growth rate exceeds 12%.

The loan policy of the Columbus Life Insurance Policy provides a guaranteed interest rate of 5.5%, and even allows you to fully invest the loaned money into any of the above-mentioned index strategy sub-accounts.If you want the cash value part to earn a fixed interest rate instead of tracking an index, Columbus Life (Columbus Life)ofIndex Explorer Plus®️A sub-account with a fixed income interest rate of 2% is also provided.

Columbus Life'sIndex Explorer Plus®️Provides a payment clause for early withdrawal of death compensation.In the approved U.S. states, this clause can deal with end-stage illnesses, special medical conditions (in California means major illness; special medical conditions do not apply in California), and chronic diseases or in nursing homeCircumstances will be paid.

U.S. Life Insurance Guide Website https://www.uslifeinsuranceguru.com

Although, there are other insurance policy products that can provide stronger protection against chronic disease/long-term care risks.However, the market has both high-yield performance and chronic disease/long-term careIndex Universal Insurance(IUL) products are rare.Most importantly, there are no upfront costs before the implementation of the rider.

#Minnesota Life
Minnesota Life Insurance Company (Rating information)

The Minnesota Life Insurance Company has perfectly integrated all the functions we would like to see in an IUL policy.At the same time, Minnesota Life Insurance Company is the second largest company among the 5 best-performing IUL product companies we selected.American Life Insurance Guide

Although Minnesota Life has issued IUL products for a certain number of years, before 2014, this company was not within the scope of our selection of the top IUL insurance company.But now, with market competition, products have been upgraded.

Minnesota Life’s trump card is to provide a lifetime lock-in 5% loan interest rate, which is currently the lowest policy loan interest rate in the industry. The 5% lending rate means that policy owners with clear life needs can borrow money from the cash value of the IUL policy to purchase real estate, develop business, or use it for additional retirement planning.They can peg the interest rate of borrowing while deducting the cash value from the influence of borrowing, and continue to track the rise of the S&P 500 index to the current upper limit of 11.75% (as of April 2018).

Similarly, as of 2014, Minnesota Life was the first company to provide the right to deal with policy compensation. The policy owner can declare in advance that when making claims, choose a period of 10 to 30 years in advance to pay in installments. Specify the proportion of compensation.Your compensation will be paid to the beneficiary in different time periods, such as 10 years, 15 years, etc.This can effectively prevent the beneficiary from getting a large sum of money at once and making irrational behavior.

By choosing a good payment structure when signing the insurance policy, Minnesota Life can steadily and continuously provide policy income to offset a large part of the internal policy charges.Minnesota Life Insurance Company is currently in itsOmega IUL®️和Orion IUL®️This feature is available on both products.

[insurGuru©️Recommendation]: For older policyholders, smokers and users with poor health ratings, the use of this clause can significantly reduce the once high costs in their IUL insurance policies.

Minnesota Life is also known for providing some very unique exponential growth strategies that provide you with more opportunities for cash value growth.Minnesota Life is the only company that offers a 1-year hybrid index (including the S&P 500, Stoxx Euro 50, Russell 2000 and Barclays Composite Bond Index) with a return ceiling of 16%.

Minnesota also offers a growth strategy that tracks the S&P 500 Low Volatility Index (S&P 500 Low Volatility Index), with no capped earnings.Although this index usually does not grow like the traditional S&P 500 index, but choosing this strategy will not pay any price difference or fees.

For those who want to obtain cash value as soon as possible, all IUL products of Minnesota Life provide an "Early Values ​​Agreement."As long as you continue to pay a nominal fee, this agreement will cancel the surrender charge from the policy.In this way, you can withdraw cash value from the policy or borrow from the policy as soon as possible.Generally, most insurance companies strictly restrict users from taking money in advance.American Life Insurance Guide

#National Life Group National Life Insurance Company (Rating information)

If the user wants the policy to have a good market performance, and at the same time requires the policy to have a strong mixed long-term care (Long Term Care) protection, we recommendNational Life Group(NLG) and its subsidiariesSouthwest Life(LSW).American Life Insurance Guide

National Life InsuranceFlex Life II®️和Peak Life®️These two IUL products provide a comprehensiveWelfarePayadditional terms.The core competitiveness of this product line is to provide:Major illness, major injury, and chronic disease compensation.According to the type and severity of major diseases, injuries and chronic diseases, there are different trigger conditions and compensation levels corresponding to different amounts of tax-free prepaid claims from your death compensation in advance, providing users with powerful performance And protection.

In addition, when withdrawing cash value, there is no need to provide a receipt, because this is not a reimbursement (Reimburse), but a claim (Claim).When making such a claim, only the doctor needs to provide a record document stating the severity of the illness/injury.

Through additional clauses, National Life provides strong protection against major diseases, major injuries, and chronic diseases (long-term care cost risks).The most competitive point is that there are no additional costs for these three additional terms.

[insurGuru©️ Suggestion]: This kind of protection, which is a combination of life insurance and long-term care protection, is particularly important for small and medium-sized business owners and business partners as corporate life insurance.The company’s key member insurance and the company’s sales agreement lack protection against risks such as disability, chronic diseases and major injuries.However, the company is still at risk if the insured cannot continue to work because of a serious illness or serious injury.When the insured triggers compensation for illness or injury, this "Sure Covered" type of IUL product can pay tax-free compensation in advance from the insured amount to protect key personnel and combat commercial risks.

(Recommended reading:What is the difference between chronic diseases and long-term care in the policy?How to choose?）

Although this article is about selecting the best performersIndex Universal Insurance(IUL) policy product, notTerm insurance(Term), but it’s worth mentioning that National Life’s term life insurance also provides major illness/major injury/chronic disease protection.The price of this term life insurance is not much higher than other term life insurance products on the market.The pricing is reasonable and reasonable, because it has more possibilities to pay for major illness/major injury/chronic disease protection than insurance policy products that only cover death.

When you purchase National Life's hybrid term life insurance products, you can use the policy contract rights to upgrade the policy to National Life whole life insurance products, such as index universal insurance (IUL) products, at any time during the validity period of the term life insurance.When the budget is limited and protection is urgently needed and cannot afford the cost of IUL immediately, this may be a good choice.

The National Life Insurance Group's IUL policy provides "universal" protection, and also provides users with some very reliable and unique cash value growth strategies.National Life Insurance is the only company that provides MSCI Emerging Market Index growth strategies for IUL policies (return cap is 2018% as of February 2).National Life Insurance also provides an uncapped return strategy. The overall return is 11.25% of the annual performance of the Standard & Poor's 500 Index. There is no price difference or fee to start this strategy.If we are in a very strong economic cycle, or you expect a sharp and rapid rebound after the market has been adjusted, or after a recession, this option may be very advantageous.American Life Insurance Guide

These two products of National Life Group are tied for first place with Minnesota Life in terms of locking down the lowest policy loan interest rate.While borrowing money from the policy, the cash value is not deducted due to borrowing, and it can still be fully invested in the 1-year S&P 500 index growth strategy, and the return limit (Cap) of this index growth strategy is 12% ( As of February 2018).Although the upper limit of income (Cap) may change, at least users can be sure that their loan interest rate is locked at 2% so that they can borrow from the insurance policy and invest in other investment opportunities, or use this method to let IUL Insurance policies to provide tax-free retirement income.

If you don't want any market risk, but at the same time want to get profits.National Life Insurance also provides a cash value growth strategy with guaranteed income for users to choose. The current income limit is 2.5% (as of August 2018).

In addition, National Life, like Minnesota Life, is a company that provides the right to deal with policy compensation.The policyholder can choose to break the claim payment into a series of installments.For policyholders who are older or have a lower health rating, if they plan in this way at the beginning of the policy, the internal costs of the policy can be greatly offset.When using IUL policies for retirement plans and tax-free income, doing so can have a huge impact.

National Life Insurance also provides a very flexible balance sheet additional terms (Balance Sheet Benefit Rider), which can withdraw cash value as soon as possible.This additional clause will have a nominal ongoing cost, which will drag down the performance of the policy market, but for users, in exchange for the right to obtain early cash liquidity.And this additional clause can basically waive the user's normal surrender fee, which can help the insured to get money from the IUL policy at an early stage.American Life Insurance Guide

For those long-lived families, National Life Insurance provides a very unique income benefit rider (Income Benefit Rider).Life expectancy is too long, and conventional IUL insurance policies may deplete the principal after retirement, leading to loss of funding sources.By activating this clause, you can guarantee yourself a lifetime income.That is, when you use the IUL insurance policy to continuously provide yourself with retirement income, and the cash value is cleared after many years, National Life will continue to pay you according to this clause until your death.This additional clause is especially useful for those who have lived a long time in family history.

#PAcific LifePacific Life (Rating information)

If your main goal is to maximize long-term retirement income, then please considerPacific Life.Pacific Life has adopted the method of balancing future charges to the early stage of insuring in advance, so that the cost of Pacific Life's policy products will be lower after many years of insuring.In his later years, the cost of some insurance policies can be said to be the lowest in the industry.

In addition, their fixed policy loan interest rate is locked at 2.25% during the validity period of the policy.This type of loan does not allow you to invest your cash value into an exponential growth strategy, but Taiping Life guarantees you that in the first 5 insurance years, it will give users a 2% fixed account growth interest, and then a guaranteed cash value growth interest Rose to 2.25%.

This is called "Wash Loan", that is: your loan interest is exactly the same as the cash value income interest, and the loan interest is the lowest in the industry, which ensures that you will not have additional losses.When using an IUL policy as a retirement plan, if you don’t want to bet on the performance of the index, the characteristics of this fixed borrowing rate of Pacific Life, coupled with the design of lower insurance costs in the later stage, will usually have more retirement income than similar products. Advantage.

Following the footsteps of Minnesota Life and National Life, Pacific Life also provides users with the option of handling policy compensation when applying for insurance, that is, users can specify a certain percentage of compensation for payment within 10 to 30 years.When using the IUL policy for retirement planning, this type of option can help increase tax-free income at retirement. The reason is simple. Compared with a one-time withdrawal, an instalment withdrawal can retain cash value, and an insurance company can maintain a continuous policy cash value Income to offset policy costs and expenses.

In 2017, Pacific Life launchedPacific Discovery Xelerator®️IULThe new products have unique functions in the whole industry.This product is not suitable for everyone, because it is suitable for policyholders who want to "pay off" the policy quickly.However, if you think that the S&P500 index will continue to advance by leaps and bounds, and bet on the rapid growth of the U.S. economy in the next 10 years and 20 years, then Pacific LifePacific Discovery Xelerator®️IULIt is worth choosing.

Pacific Life has designed something to become a "market performance factor". It is similar to a leverage tool. With it, when the S&P 500 rises, you can "multiple" profits without a cap.The policy still provides you with a 0% bottom line of guaranteed benefits, so like allIndex Universal Insurance(IUL) The same as the policy, your principal will not be lost when the market plummets.However, using this leverage tool to amplify index returns requires a large amount of additional costs.

You can avoid these costs at any time by assigning cash value to a fixed interest account.Pacific Life is also the only one among the top 5 IUL insurance companies that can pay a nominal additional fee in exchange for "No-Lapse-Guarantee"additional terms"The insurance company. Assuming an unprecedented decline in the global stock market, and it lasts for a very long time, the high policy cost may consume the internal cash value of the IUL policy, leading to the possibility of insurance suspension. At this time, if there is this additional clause The IUL policy itself has protection against this market risk.

In general, the benefits of any Pacific Life Index growth strategy you choose can be multiplied with the "market performance factor".According to the calculation of multiple dynamic indicators of the insurance company, you can get 1.5 times, 2 times, 3 times or even 4 times the annual index growth income.

Pacific LifePacific Discovery Xelerator®️IULProvide some exponential growth strategies for users to choose to increase cash value.It also includes an international hybrid index strategy that combines the diversified performance of Euro Stoxx 50, MSCI Emerging Market Index and Hang Seng Index. The current return cap (Cap) is 11% (as of February 2018).

太平洋人寿是Top5保险公司IUL产品里面，1年期S&P500指数策略收益最低的，指数收益为10％（截至2018年4月）。 为了弥补这一点，他们提供了一个2年期S&P500指数策略，目前是30％的收益上限，以及5年期S&P500指数，无上限（110％Participation Rate) Capped the revenue. The 110% participation rate means that the final return will be multiplied by 5 times on the basis of the 1.1-year index return.

[insurGuru©️Recommendation]: Because you can allocate and match different exponential growth strategies in the policy, and at the same time there is leverage, we strongly recommend that you allocate your cash value to different strategies to avoid the situation where S&P500 is flat or down , Your IUL policy appears to have a return of 0.For example, the use of long-term growth strategies and one-year growth strategies at the same time, or combined with a fixed account strategy that guarantees the rate of return.This trick is applicable to all IUL product index growth strategies of Top5 insurance companies.

Pacific Life, like Minnesota Life, always provides uniform treatment of policy policies for new policyholders and old policyholders.Taiping Life will provide holders of old policies with updated policy updates in terms of income caps and minimum income.

#Penn MutualPennsylvania Mutual Life (Rating information)

As the second oldest insurance company in the U.S. market (also the oldest insurance company among the Top5 insurance companies, it was established one year earlier than National Life Insurance)Penn MutualIssuedAccumulation Builder Select®️IUL It also perfectly integrates the guarantee function and the outstanding cash value growth ability.

Let's discuss the following "guarantee" part first.Among the 2018 Top5 index universal insurance companies, Penn Mutual is the only one that provides an annualized 1% return on the cash value of your policy and pays it to your policy on a monthly basis.In addition, Penn Mutual Life’s IUL product also has a guaranteed "Indexed Crediting Enhancement (ICE)" section. ICE will cover the benefits of any index growth strategy you choose in Penn Mutual Life’s IUL policy. An additional 10% income will be provided to you.

In line with the additional benefits of ICE,Pennsylvania Mutual LifeThe guaranteed 1% bottom line (floor) actually increases your cash value by 1.1%, while almost all other companies offering IUL insurance policies have a guaranteed bottom line of 0%.

[insurGuru©️ Suggestion]: You may often hear some insurance companies claiming that their IUL products have a guaranteed return of 2% or 3%.However, when you study their IUL contracts in depth, you will find that this is just a review of the past average rate of return when you are about to terminate the guarantee.Some insurance companies do promise that if your annualized income is less than 5% within 2 years, they will guarantee you to make up to 2%.However, in the real world, with the existence of a guarantee of 0%, it is difficult to occur within 5 years, the average growth value of the S&P500 index is less than 2%.

The specific method of return is,Penn MutualThe annualized 1% minimum guaranteed income will be added to your cash value account balance on a monthly basis.Then every 12-month cycle, other exponential growth gains are paid.

Penn MutualThe policy loan interest rate provided is locked at 6%.But what is certain is that you clearly know that the IUL policy can earn at least 1.1% of interest per year, which can be used to offset the interest on the policy loan.

Plus ICE’s additional 10% revenue,Penn Mutual的11% 的S&P500指数增长策略收益上限(Cap)，实际上等于12.1%的指数增长收益上限。如果S&P500指数在今年增长了8%，那配合ICE提供的10%的保证收益，用户的IUL保单的现金值回报是8.8%

Penn MutualOfAccumulation Builder Select®️IULThere is a very unique 5-year index return strategy. In theory, you can get up to 5% (quota ICE) return within 77 years.However, unlike other multi-year exponential growth strategies, Penn Mutual Life allows users to lock in a portion of index earnings each year.In this case, if the return of the S&P500 index plummets in the fifth year, there is no risk that the return will be completely cleared.

Therefore, in this 5-year exponential growth strategy, 1.1%-6.05% (including ICE) can be guaranteed to track the return of the S&P 500 index every year.At the end of the 5-year period, the insurance company looks at how much the S&P 500 has risen, and then subtracts what the insurance company has already paid you.

This unique cash value tracking exponential growth strategy can form multiple protections—IUL is, after all, an insurance tool first, and protection is the core purpose—this is also the reason why Pennsylvania Mutual Life was selected as one of the 2018 Top 5 IUL insurance companies.