We reiterate that due to the great flexibility of IUL policy planning, the "best" IUL product does not exist.In reality, only the "best fit" userA specific need or life goalPlanning scheme.Through the comparison between products, we will find that these "most suitable" insurance policy planning schemes can often help customers get the most benefits.
# 1. PAcific Life
Pacific Life Insurance Company (Company Reviews)
If users want to find a branded and reputable "asset management" insurance company, the top ranking is: Pacific Life, Pacific Life Insurance Company.
The "reciprocal holding type" corporate structure, the founder of Stanford University, the insurance history of the first governor of California, these may all be Pacific LifeIndex insuranceProduct, the factor that ranked No.2018 in the 2019-1 National Index market share.
Pacific Life InsuranceThe index insurance products provided by the company that meet industry standards include:
- Pacific Index Accumulator 6
- Pacific Discovery Protector IUL
In addition, Pacific Life has also developed index-type insurance products in specialized fields to meet the needs of different types of customers.
Pacific Discovery Xelerator®️ 2 launched by Pacific Life Insurance Company emphasizes the rapid accumulation of cash value and provides a higher risk ratio and return expectation.In the professional structure design and ideal market environment, compared with other excellent index insurance products, PDX2 will show a strong cash value accumulation ability faster.
Pacific Indexed Estate Preserver®️ 3, an index insurance product used in the field of estate planning, can beWith more than 10 times leverageTo achieve the goal of wealth inheritance.
Index strategy interest rate
The Pacific Life Insurance Company index policy (taking PDX2 as an example) provides 6 strategic accounts for cash value growth.All strategy accounts provide0% income underpinning protectionAndParticipation rate of not less than 100%.
截止2020年2月10日，太平洋人寿保险公司1年期S&P500点对点的高收益策略封顶为12.25%And provides the current 1x to 2.7x return multiplier factorAdditional terms.
If you want the cash value account part to earn only a fixed interest rate instead of tracking the index, Pacific Life’s index policy also provides a fixed income option.The current current annual interest rate is 3%.
As of April 2020, 2,Pacific LifeThe current interest rate for the standard borrowing of the policy isBetween 2%-2.25%, The index loan policyThe current interest rate is 4.65%.
Fringe benefits
Pacific Life’s exponential insurance product line provides three “health insurance” for early withdrawal of death compensation.Former welfare"Payment terms. OptionalAdditional payment termsinclude:Benefits for chronic illnesses, end-stage illnesses, and long-term care benefits.In the case of "chronic diseases", an "extra" additional payment clause is also provided for policyholders to choose to increase the claim payment.
And in other optional additional terms, provide"Guarantee Continuous Warranty Clause",It can provide guaranteed compensation for death compensation from 20 years to lifetime*.
Reason for listing:An outstanding asset management team and innovation in the index insurance field are the reasons why Pacific Life is on the list.American Life Insurance Guide Network https://www.usifeinsurancegru.com
# 2. Aalliance
Allianz Life Insurance Company of North America (Company Reviews)
If policyholders want to find a world-class brand that is good at wealth management, we would recommend Allianz, North America Allianz Life Insurance Company (hereinafter referred to as "Allianz").
As the largest global insurance group by assets, Allianz's index insurance product line in North America is very simple: as of February 2020, Allianz only provides one IUL index insurance product: Life Pro+ Advantage FIUL .The product is very purposeful-it is completely used for the demand target of "cash value accumulation".
Allianz Group acquired the PIMCO division created by Pacific Life Insurance Company in 2000, which has established its strength in the field of fixed-income asset management.The funds in its index policy account can be used"Daily" transaction frequencyCarry out automatic hedging transactions, so as to more efficiently manage the risks caused by the violent market volatility.After 2019, with its strong asset management capabilities, Allianz’s index insurance policy launched the index “locking” function, creatingActive management rate of returnPossible.
Index strategy interest rate
The North American Allianz Life Insurance Company's Index Policy (Life Pro+ Advantage FIUL) provides 6 strategic accounts for the accumulation of cash value.All strategy accounts provide0% income underpinning protectionAndParticipation rate of not less than 100%.
截止2020年1月1日，北美安联人寿保险公司1年期S&P500点对点的标准收益策略封顶为11.75%And provided0%, 15% and 40%ThreeEnhance additional dividend incomeAdditional options.
If you want the cash value account part to only earn a fixed interest rate instead of tracking the index, Allianz Life’s Life Pro+ Advantage index policy also provides a fixed income option. The current annual interest rate is4.60%.
As of January 2020, 1, the current rate of standard lending for Allianz Life’s index insurance products is1.96%-2.91%Between, the index loan policyThe lifetime fixed interest rate is 5.00%.
Fringe benefits
As the main asset management company Allianz Life Insurance (Allianz Life) in North America, its index insurance products still provide 2 early payment clauses for pre-mortem welfare protection, including:Compensation for chronic illnesses, compensation for end-stage illnesses.
Reason for listing:The world-renowned asset management capabilities, outstanding policy cash value performance, and the specificity of retirement income business are the reasons for the North American Allianz Life Insurance Company (Allianz) to be on the list.American Life Insurance Guide Network https://www.usifeinsurancegru.com
# 3. AIG
American International Group (Company Reviews)
If the policyholder wants to find a company that provides both excellent asset management capabilities and"Major illness compensation" etc.Full time before deathFringe benefitsWe would recommend AIG.
Unlike the “asset management” index insurance market, insurGuru™️ Insurance Academy willIndex insurance products that provide comprehensive protection and compensation during life are defined as the "sure-proof" market area.
The selection indicators of insurGuru™️ Insurance Academy in this market area are:Insurance company "asset scale"(How much money is there)AndThe maximum amount of compensation that can be paid to the insured by an index policy (life insurance) with a "critical illness" claim(How much to lose).
The candidate insurance companies participating in the evaluation are:
In the end, AIG (AIG Life & Retirement Group) $2900 billion in identified assets(2017Bayesian Ranking),"Major Illness" claims up to $200 million USD These two aspects defeated other opponents in the field respectively, and were selected into the 2020 Best Performance IUL Top3 list.
AIG is a listed group engaged in asset management and insurance business around the world. The company itself isS & P 500 IndexAnd one of the member stocks of the S&P100 index.In the insurance market linked to the S&P 500 Index, AIG has a natural fundamental advantage.
AIG's "Sure-Proof" index product line provides three standard products:
- QoL Max Accumulator+
- Qol Value+ Protector
- QoL Guarantee Plus GUL II
Index strategy interest rate
AIGIndex insuranceprovided5 strategy accountsFor cash value growth, all strategy accounts provide0% income underpinning protectionAndA participation rate of not less than 80%.
截止2020年1月1日，AIG保险公司1年期S&P500点对点的高收益策略封顶11.50%.After the 5th year of insurance, a guarantee will be provided every yearNot less than 0.25%Additional revenue,The current actual additional rate of return is 0.65%.
If you want the cash value account part to earn only a fixed interest rate instead of tracking the index, AIG's index insurance policy also provides the option of fixed income. The current current annual interest rate is2.00%.
As of January 2020, 1, the current interest rate of AIG's index insurance product standard lending is1.96%-3.00%Between, index loanThe current interest rate is 4.76%.
Comprehensive welfare section
In addition to the function of accumulating cash value, AIG’s index policy provides the most comprehensiveWelfarePayadditional terms.
AIG's core competitiveness in the "guaranteed" market is:Provide compensation for major illnesses,There are three additional clauses for chronic illness compensation and end-stage illness compensation, with no additional costs.When an insured person needs to settle a claim, the insurance company will take out money in advance from the death benefit of the insurance policy for compensation according to the type and severity of the disease.The insured only needs to provide a doctor’s diagnosis report to make claims.
In addition, on the basis of these three compensation benefits, AIG also provides an additional charge called Accelerated Access Solution (AAS) for policyholders to choose from.Increasing claims for “chronic diseases”.
Reason for listing:Excellent comprehensive financial strength, comprehensive pre-mortem welfare protection, and sufficient supplementary additional clauses are the reasons for the online listing of AIG and this index-type product.
In the end, only reasonable policy selection and professional plan design can help us achieve the goal of maximizing individual benefits.
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