IUL Segment Detail Supplemental for EquiFlex

We have just released the Indexed Universal Life (IUL) Segment Detail supplemental for EquiFlex illustrations! This new option will help clients make a more informed decision between the two types of indexed accounts available.

Including this supplemental is simple. Set up the EquiFlex illustration as you normally would. After all inputs are correctly entered, put a check in the 'IUL Segment Detail' box in the Supplementals section.

When the illustration has been run, you will find the IUL Segment Detail supplement at the end of the illustration. Two tables will be included showing the performance of each option in previous segments. Segments will be shaded to allow the most recent performance to be easily found.

Indexed Account A portrays the performance of S&P 500 with cap on the growth of the Indexed Credit. Note that on segments where the '% Change in S&P 500' are greater than the growth cap, the Index Growth Rate is capped.

Indexed Account B shows the performance of S&P 500 using the participation rate of the Indexed Credit. Note that in all segments illustrated here the 'Index Growth Rate' values are the participation rate times the '% Change in S&P 500' column.

Taken together, these two charts show that Indexed Account B can earn more than Indexed Account A when the S&P 500 is performing well. When the '% change in S&P 500' is lower, however, the reverse is true.

Please feel free to contact us should you have any questions on how the IUL Segment Detail supplement works or would like help setting up an illustration to include it.

Have a Great Day,

Illustration Development Team

1-800-572-2467 x8162

illustrationhelp@kclife.com