Finance Chicks
Region: US
Saturday 23 May 2026 23:55:43 GMT
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theshark29 :
lacks transparency on costs. Also on that floor - A common misconception is that the "floor" protects your cash value from dropping. While the index credit won't be negative, the Cost of Insurance (COI), administrative fees, and premium loads are deducted annually regardless of market performance. In a flat or down year, these fixed costs effectively cause your cash value to shrink.
2026-05-24 00:07:50
3
roadbeerbaby :
IUL
2026-05-24 17:49:10
1
Cristian Savant :
iul never mentioned
2026-05-24 19:34:41
0
James Taylor :
Pretty surr they have ETFs that use a similar investment style. Exposure to an asset, capped upside, capped or no downside. https://www.calamos.com/funds/etf/structured-protection/
2026-06-13 10:05:00
0
theshark29 :
Not a fan….🤣🤣🤣
2026-05-23 23:57:11
1
theshark29 :
Another factor - insurance co can change rules on you once you are locked! Insurance carriers have significant discretion to adjust caps, participation rates, and spread charges annually. They can, and often do, lower the caps to protect their own margins if market volatility increases or interest rates shift.
2026-05-24 00:13:15
1
User112233447 :
IUL
2026-05-25 05:50:18
0
Q_OnTheMap :
IUL
2026-05-27 19:21:49
0
Marcello :
IUL
2026-05-24 02:45:04
1
Evellyn Schumacker :
Iul
2026-05-24 02:59:44
1
Evellyn Schumacker :
IUL
2026-05-24 02:59:57
1
Andrea :
IUL
2026-06-17 01:24:30
0
Keephope626 :
IuL
2026-05-24 04:34:07
1
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