Click on the following to DOWNLOAD my Top 17 IUL Report
https://advisorshare.com/top-17-iul-list
What’s new in 2025?
1) Anico is no longer on the list (amazingly they stopped selling life insurance)
2) Prudential is new to the list (it replaced Anico)
3) The #1 product on our list from last year is GONE (the carrier pulled it)
4) There is a new #1 product on our list
The report is 17 pages long and lists in order IULs with the best:
1) Cash accumulation
2) Tax-free retirement cash flow (highest loan amounts)
Three Comparison Grids
This year there are THREE comparison grids (in the past we’ve only had two):
1) In order of most tax-free borrowing using the carrier’s best illustrated rate.
2) In order of most tax-free borrowing using the S&P 500 index ONLY (no VCIs).
3) In order as to what I believe has the best product (and it’s NOT the one that has the most illustrated borrowing).
The following companies are rated in the download
What Companies Had the Biggest Moves from 2024 to 2025?
-John Hancock
-Mutual of Omaha
-Symetra
Partial Preview
2025 Updated IUL Rate of Return Probability Chart (a MUST-Download)!
I just updated the IUL probability of return chart. I hate to say it, but I forgot to do so at the end of 2024. I’ll be updating it again in January 2026. The numbers have improved since the year-end 2023 chart, and they will improve again at year-end if the S&P 500 stays at its current level.
To download the IUL ROR probability chart, click on the following link:
https://advisorshare.com/iul-probability-of-return
With most IULs now using the S&P 500 as the primary crediting strategy, it’s vitally important for advisors to understand the probability of a product generating a certain rate of return over time.
Sneak preview—an IUL with a 10.5% cap has a 23% chance of generating a 6.5% ROR.
OnPointe’s Retirement Planning Software is the ONLY software in the industry that can add data directly from an IUL illustration to show tax-free borrowing and its positive effect on a client’s retirement income.
To learn more about using OnPointe to communicate the value of an IUL to clients, click on the following link:
https://advisorshare.com/onpointe-retirement-planner
