Stability and Consistency

Stability in the context of Indexed Universal Life (IUL) insurance refers to the reliability and steadiness of the policy's cash value growth. This is achieved by providing a floor on the interest rate, ensuring that the policyholder's cash value doesn't decrease due to market downturns. On the other hand, consistency in an IUL policy pertains to the regularity and predictability of the policy's performance, including interest crediting rates and premium flexibility. An IUL policy is seen as consistent if it regularly credits interest based on a specific index's performance and allows the policyholder to adjust premium payments as needed.