The Indexed Universal Life market is a crowded, complicated environment that frequently comes down to the “lowest common denominator” in terms of the highest illustrated income or accumulation value. The more discerning among us, however, understand that the underpinnings of those numbers is where the rubber really meets the road. John Hancock’s new Accumulation IUL with Vitality can satisfy both sides of that issue, with competitive performance, real transparency around the underlying crediting methodology and an effective policy management strategy.
- New Indices and Indexed Accounts: AIUL ’17 offers access to the Hang Seng in a traditional capped account, as well as the S&P via High Par, Capped, Plus Capped and Uncapped options.
- Non-Discretionary Index Multiplier and Policy Credit structures that increase transparency and ultimate reliability of the product as an accumulation vehicle.
- Improved Targets
- Lower Premium Loads
- An improved Annual Performance Summary that shows variance, positive or negative, versus the initial sales illustration.
All that’s left is for you to give it a look on your next case! Illustrations are already available in WinFlex and JH Solutions.