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Interview|"I thought the decimal point (return rate) was wrong", 2021 index insurance posted income statement

iul policy holder interview

In March 2021, one year after the four circuit breakers in the U.S. stock market, the U.S. stock index rose by 3%+, and some policyholders followed up with a 40%+ index insurance 40 income statement.American Life Insurance GuideI contacted the insured as soon as possibleExpensive, And conducted related interviews. The following is the specific content of the collation:

lifeinsurance-statement02(Picture 500: Uncap Uncap S&P2 Index Strategy/Red XNUMX,Annual income 41.4%)

LifeTank: Why did you want to buy insurance in the first place?

Cher:Because of my personal character.If I myself have not lost money before, I would not buy insurance products.I think that when I bought the product, it was because I lost money that I had this idea.

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LifeTank: The "Uncap" growth strategy of the S&P 500 index has the highest risk, and it is the strategy with the greatest probability of getting 0% return among all index strategies. Why did you choose this index strategy?

Cher:When I chose this (insurance policy), I chose the uncapped strategy at the beginning to account for 33%.According to my personal character, even from insurance, I still want to maximize its benefits (laughs).Then the risk is the highest.So I dare to put my insurance policy like this.

But in fact, when you said I did, did you really mean to pay special attention to the return of insurance?Actually not.But it every time (exceeding expectations).Other insurance companies, Vo**, I actually have an insurance policy myself, and I also have an insurance policy for Tr*********. I am very disappointed.Indeed, (this insurance policy) its return is beyond my expectations, and it is indeed above my expectations. I think it is still quite good.

life-insurance-statement01(Figure 500: S&P1 Index Strategy 10.92, the policyholder’s annual income is XNUMX%)

LifeTank: When you saw this income interest-bearing bill, what were your thoughts at the time?

Cher:I thought the decimal point was wrong.If it weren't for personal experience, I am afraid it would be hard to imagine.This kind of Uncap (not capped) means that occasionally, the risk is so high. … …(We) choose insurance. The purpose is to be conservative. I don’t want to see 0.

(>>>Recommended reading:What is the return cap of index insurance?How will it affect our policy income?

IUL Index Insurance and Interest Calculation Strategies

Indexed Universal Life insurance, abbreviatedIUL insurance, Called in ChineseIndex insurance.because"0% guarantee", as well as tracking stock index rises to accrue interestSince its inception in 1997, IUL Insurance has quickly occupied a quarter of the American life insurance market.

According to a 2019 report by the American Life Insurance Guide,75% of index insurance policies have chosen benchmarkingS & P500(S&P 500 Index).

However, different life insurance companies issuedIndex insurance, Its product performance and function are different.For the same benchmarkS & P 500 Index.Different insurance products also provide different index strategies.In the interview case in this article, the policyholder chose the "Uncap" S&P00 index strategy provided by an index insurance product.

This type of index strategy is suitable for mature investors who are willing to take higher risks and have certain investment experience.

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Article summary

The 41.4% annual rate of return of the policy is the highest annual interest rate record for index insurance seen in the LifeTank©️ community in recent years.

Through the sharing of this index insurance income bill, we hope to help "investment-oriented" policyholders (investors who seek asset appreciation free from market risks),Understand the index strategy operation mode of American index insurance and the actual performance of showing the potential of cash value growth.

As policyholders enter the market at different time points, the product performance of the selected life insurance company is also very different, and the investment index strategy preferences of the same insurance product are not the same. Therefore, the annualized return of each policyholder’s policy is different from each other. BetweenThere is a difference.However, looking at a 15-year or 20-year cycle, it may eventually return to the average return of the market index strategy. (End of full text)

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