{"id":1603,"date":"2024-09-19T17:40:24","date_gmt":"2024-09-19T17:40:24","guid":{"rendered":"https:\/\/may.iaq.mybluehost.me\/?page_id=1603"},"modified":"2025-05-13T23:47:31","modified_gmt":"2025-05-13T23:47:31","slug":"tassi-di-accredito-dellassicurazione-iul","status":"publish","type":"page","link":"https:\/\/indexeduniversallife.us\/it\/tassi-di-accredito-dellassicurazione-iul\/","title":{"rendered":"Accreditamento delle Assicurazioni IUL"},"content":{"rendered":"<style>.kb-row-layout-id1603_d9f9f8-4f > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id1603_d9f9f8-4f > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id1603_d9f9f8-4f > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:600px;margin-left:auto;margin-right:auto;padding-top:150px;padding-right:0px;padding-bottom:120px;padding-left:0px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id1603_d9f9f8-4f > .kt-row-layout-overlay{opacity:0.70;background-image:url('https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2021\/04\/bg-0.png');background-size:cover;background-position:center center;background-attachment:fixed;background-repeat:no-repeat;}@media all and (max-width: 1024px), only screen and (min-device-width: 1024px) and (max-device-width: 1366px) and (-webkit-min-device-pixel-ratio: 2) and (hover: none){.kb-row-layout-id1603_d9f9f8-4f > .kt-row-layout-overlay{background-attachment:scroll;}}@media all and (max-width: 1024px){.kb-row-layout-id1603_d9f9f8-4f > .kt-row-column-wrap{padding-top:140px;padding-right:0px;padding-bottom:80px;padding-left:0px;grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id1603_d9f9f8-4f > .kt-row-column-wrap{padding-top:120px;padding-right:20px;padding-bottom:50px;padding-left:20px;grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id1603_d9f9f8-4f alignnone has-theme-palette8-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-layout-overlay kt-row-overlay-normal\"><\/div><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column1603_31aa03-81 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column1603_31aa03-81 > .kt-inside-inner-col,.kadence-column1603_31aa03-81 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1603_31aa03-81 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1603_31aa03-81 > .kt-inside-inner-col{flex-direction:column;}.kadence-column1603_31aa03-81 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column1603_31aa03-81 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1603_31aa03-81{position:relative;}@media all and (max-width: 1024px){.kadence-column1603_31aa03-81 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column1603_31aa03-81 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column1603_31aa03-81\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading1603_48e62f-b7, .wp-block-kadence-advancedheading.kt-adv-heading1603_48e62f-b7[data-kb-block=\"kb-adv-heading1603_48e62f-b7\"]{margin-bottom:22.5px;text-align:center;line-height:1em;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1603_48e62f-b7 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1603_48e62f-b7[data-kb-block=\"kb-adv-heading1603_48e62f-b7\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1603_48e62f-b7 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1603_48e62f-b7[data-kb-block=\"kb-adv-heading1603_48e62f-b7\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading1603_48e62f-b7, .wp-block-kadence-advancedheading.kt-adv-heading1603_48e62f-b7[data-kb-block=\"kb-adv-heading1603_48e62f-b7\"]{margin-bottom:17.5px;}}<\/style>\n<h1 class=\"kt-adv-heading1603_48e62f-b7 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading1603_48e62f-b7\">IUL Insurance Crediting Rates<\/h1>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading1603_219b0e-f4, .wp-block-kadence-advancedheading.kt-adv-heading1603_219b0e-f4[data-kb-block=\"kb-adv-heading1603_219b0e-f4\"]{text-align:center;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1603_219b0e-f4 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1603_219b0e-f4[data-kb-block=\"kb-adv-heading1603_219b0e-f4\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1603_219b0e-f4 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1603_219b0e-f4[data-kb-block=\"kb-adv-heading1603_219b0e-f4\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading1603_219b0e-f4 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading1603_219b0e-f4\">IUL crediting rates represent the amount applied to an index segment. At the end of an index period, typically on the policy\u2019s anniversary, the index credit is calculated and added to the policy\u2019s cash value account.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id1603_32d6aa-96 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id1603_32d6aa-96 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id1603_32d6aa-96 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-none, 0rem );max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:100px;padding-right:20px;padding-bottom:0px;padding-left:20px;grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id1603_32d6aa-96 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id1603_32d6aa-96 > .kt-row-column-wrap{padding-top:80px;padding-right:20px;padding-bottom:0px;padding-left:20px;grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id1603_32d6aa-96 > .kt-row-column-wrap{padding-top:60px;padding-right:0px;padding-bottom:0px;padding-left:0px;grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id1603_32d6aa-96 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-row kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column1603_145b5c-0b > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column1603_145b5c-0b > .kt-inside-inner-col,.kadence-column1603_145b5c-0b > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1603_145b5c-0b > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1603_145b5c-0b > .kt-inside-inner-col{flex-direction:column;}.kadence-column1603_145b5c-0b > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column1603_145b5c-0b > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1603_145b5c-0b{position:relative;}@media all and (max-width: 1024px){.kadence-column1603_145b5c-0b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column1603_145b5c-0b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column1603_145b5c-0b\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading1603_4eb470-5b, .wp-block-kadence-advancedheading.kt-adv-heading1603_4eb470-5b[data-kb-block=\"kb-adv-heading1603_4eb470-5b\"]{line-height:1em;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1603_4eb470-5b mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1603_4eb470-5b[data-kb-block=\"kb-adv-heading1603_4eb470-5b\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1603_4eb470-5b img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1603_4eb470-5b[data-kb-block=\"kb-adv-heading1603_4eb470-5b\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading1603_4eb470-5b, .wp-block-kadence-advancedheading.kt-adv-heading1603_4eb470-5b[data-kb-block=\"kb-adv-heading1603_4eb470-5b\"]{text-align:center!important;}}<\/style>\n<h2 class=\"kt-adv-heading1603_4eb470-5b wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading1603_4eb470-5b\"><strong>Cash Value Growth in Indexed Universal Life Insurance (IUL)<\/strong><\/h2>\n\n\n\n<p class=\"\">Indexed Universal Life (IUL) insurance allows for cash value growth based on the performance of one or more underlying market indexes, such as the S&amp;P 500 or Dow Jones Industrial Average (DJIA).<\/p>\n\n\n\n<p class=\"\"> IUL crediting rates offer the potential for higher cash value accumulation compared to other types of insurance policies. Additionally, IUL policies include a built-in annual &#8220;floor,&#8221; which protects the cash value from declining due to market losses, ensuring stability even if the index experiences a negative return.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column1603_d9fe8f-c7 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column1603_d9fe8f-c7 > .kt-inside-inner-col,.kadence-column1603_d9fe8f-c7 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1603_d9fe8f-c7 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1603_d9fe8f-c7 > .kt-inside-inner-col{flex-direction:column;}.kadence-column1603_d9fe8f-c7 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column1603_d9fe8f-c7 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1603_d9fe8f-c7{position:relative;}@media all and (max-width: 1024px){.kadence-column1603_d9fe8f-c7 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column1603_d9fe8f-c7 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-2 wp-block-kadence-column kadence-column1603_d9fe8f-c7\"><div class=\"kt-inside-inner-col\">\n<h2 class=\"has--font-size wp-block-heading\"><strong>How Interest is Credited to an IUL Policy<\/strong><\/h2>\n\n\n\n<p class=\"\">When you open an Indexed Universal Life (IUL) insurance policy, your premium\u2014after deducting insurance charges\u2014is allocated to the index options you select. The performance of your chosen index(es) is tracked, and the indexed interest is calculated based on your selected crediting method. If there is any interest for that period, it is added to your policy\u2019s cash value.<\/p>\n\n\n\n<p class=\"\">At the end of each period, the total value becomes the starting point for the next period. This process, known as the annual &#8220;reset,&#8221; locks in each year\u2019s credited interest on the index crediting date and establishes a new starting value for the following year.<\/p>\n\n\n\n<p class=\"\"><\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id1603_781501-79{margin-top:0px;margin-bottom:90px;}.kb-row-layout-id1603_781501-79 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id1603_781501-79 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id1603_781501-79 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id1603_781501-79 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id1603_781501-79 > .kt-row-column-wrap{padding-top:0px;padding-right:20px;padding-bottom:0px;padding-left:20px;grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id1603_781501-79{margin-top:50px;margin-bottom:0px;}.kb-row-layout-id1603_781501-79 > .kt-row-column-wrap{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id1603_781501-79 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column1603_05015e-d0 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column1603_05015e-d0 > 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(max-width: 767px){.kadence-column1603_05015e-d0 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column1603_05015e-d0\"><div class=\"kt-inside-inner-col\"><style>.kb-row-layout-id1603_43d5ea-bb > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id1603_43d5ea-bb > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id1603_43d5ea-bb > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-none, 0rem );max-width:1140px;margin-left:auto;margin-right:auto;padding-top:50px;padding-right:60px;padding-bottom:50px;padding-left:60px;grid-template-columns:minmax(0, calc(29.6% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)))minmax(0, calc(70.4% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)));}.kb-row-layout-id1603_43d5ea-bb{border-top-left-radius:30px;border-top-right-radius:30px;border-bottom-right-radius:30px;border-bottom-left-radius:30px;overflow:clip;isolation:isolate;}.kb-row-layout-id1603_43d5ea-bb > .kt-row-layout-overlay{border-top-left-radius:30px;border-top-right-radius:30px;border-bottom-right-radius:30px;border-bottom-left-radius:30px;}.kb-row-layout-id1603_43d5ea-bb > .kt-row-layout-overlay{opacity:1;background:linear-gradient(300deg, var(--global-palette1) 0%, var(--global-palette2) 100%);}@media all and (max-width: 1024px){.kb-row-layout-id1603_43d5ea-bb > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id1603_43d5ea-bb{margin-top:0px;margin-bottom:0px;}.kb-row-layout-id1603_43d5ea-bb > .kt-row-column-wrap{padding-top:34px;padding-right:34px;padding-bottom:34px;padding-left:34px;grid-template-columns:minmax(0, 1fr);}}.kb-row-layout-id1603_43d5ea-bb .quote-style { position: absolute; left: 50px; top: 35px;}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id1603_43d5ea-bb alignnone kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-layout-overlay kt-row-overlay-gradient\"><\/div><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-row kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column1603_4ae8e0-53 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column1603_4ae8e0-53 > .kt-inside-inner-col,.kadence-column1603_4ae8e0-53 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1603_4ae8e0-53 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1603_4ae8e0-53 > .kt-inside-inner-col{flex-direction:column;}.kadence-column1603_4ae8e0-53 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column1603_4ae8e0-53 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1603_4ae8e0-53{position:relative;}@media all and (max-width: 1024px){.kadence-column1603_4ae8e0-53 > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:40px;padding-left:0px;flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column1603_4ae8e0-53 > .kt-inside-inner-col{padding-top:20px;padding-right:30px;padding-bottom:30px;padding-left:30px;flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column1603_4ae8e0-53\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading1603_f3080e-c4, .wp-block-kadence-advancedheading.kt-adv-heading1603_f3080e-c4[data-kb-block=\"kb-adv-heading1603_f3080e-c4\"]{margin-top:-20px;margin-right:-50px;margin-bottom:0px;margin-left:-20px;text-align:center;font-size:9em;line-height:1em;font-weight:600;font-style:italic;font-family:Jost;text-transform:uppercase;text-shadow:0px 0px 22px rgba(27,0,79,0.11);}.wp-block-kadence-advancedheading.kt-adv-heading1603_f3080e-c4 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1603_f3080e-c4[data-kb-block=\"kb-adv-heading1603_f3080e-c4\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1603_f3080e-c4 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1603_f3080e-c4[data-kb-block=\"kb-adv-heading1603_f3080e-c4\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading1603_f3080e-c4, .wp-block-kadence-advancedheading.kt-adv-heading1603_f3080e-c4[data-kb-block=\"kb-adv-heading1603_f3080e-c4\"]{text-shadow:0px 0px 22px rgba(27,0,79,0.11);font-size:8em;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading1603_f3080e-c4, .wp-block-kadence-advancedheading.kt-adv-heading1603_f3080e-c4[data-kb-block=\"kb-adv-heading1603_f3080e-c4\"]{margin-top:-20px;margin-right:0px;margin-bottom:-50px;margin-left:-20px;text-shadow:0px 0px 22px rgba(27,0,79,0.11);font-size:6em;}}<\/style>\n<p class=\"kt-adv-heading1603_f3080e-c4 quote-style wp-block-kadence-advancedheading has-theme-palette-9-color has-text-color\" data-kb-block=\"kb-adv-heading1603_f3080e-c4\">&#8220;<\/p>\n\n\n<style>.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box1603_11f3d3-82 .kt-blocks-info-box-link-wrap{max-width:unset;}.kt-info-box1603_11f3d3-82 .kt-blocks-info-box-link-wrap{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;background:rgba(242, 242, 242, 0);padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kt-info-box1603_11f3d3-82 .kt-blocks-info-box-link-wrap:hover{background:rgba(242, 242, 242, 0);}.kt-info-box1603_11f3d3-82.wp-block-kadence-infobox{max-width:100%;}.kt-info-box1603_11f3d3-82 .kadence-info-box-image-inner-intrisic-container{max-width:250px;}.kt-info-box1603_11f3d3-82 .kadence-info-box-image-inner-intrisic-container .kadence-info-box-image-intrisic{padding-bottom:100%;width:500px;height:0px;max-width:100%;}.kt-info-box1603_11f3d3-82 .kadence-info-box-icon-container .kt-info-svg-icon, .kt-info-box1603_11f3d3-82 .kt-info-svg-icon-flip, .kt-info-box1603_11f3d3-82 .kt-blocks-info-box-number{font-size:50px;}.kt-info-box1603_11f3d3-82 .kt-blocks-info-box-media{color:#444444;background:transparent;border-color:#444444;border-radius:20px;overflow:hidden;border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kt-info-box1603_11f3d3-82 .kt-blocks-info-box-media-container{margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}.kt-info-box1603_11f3d3-82 .kt-blocks-info-box-link-wrap:hover .kt-blocks-info-box-media{color:#444444;background:transparent;border-color:#444444;}.kt-info-box1603_11f3d3-82 .kt-infobox-textcontent h2.kt-blocks-info-box-title{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;margin-top:5px;margin-right:0px;margin-bottom:10px;margin-left:0px;}.kt-info-box1603_11f3d3-82 .kt-infobox-textcontent .kt-blocks-info-box-text{color:#555555;}.kt-info-box1603_11f3d3-82 .kt-blocks-info-box-learnmore{background:transparent;border-color:#555555;border-width:0px 0px 0px 0px;padding-top:4px;padding-right:8px;padding-bottom:4px;padding-left:8px;margin-top:10px;margin-right:0px;margin-bottom:10px;margin-left:0px;}.kt-info-box1603_11f3d3-82 .kt-blocks-info-box-link-wrap:hover .kt-blocks-info-box-learnmore,.kt-info-box1603_11f3d3-82 .kt-blocks-info-box-link-wrap .kt-blocks-info-box-learnmore:focus{color:#ffffff;background:#444444;border-color:#444444;}@media all and (max-width: 1024px){.kt-info-box1603_11f3d3-82 .kt-blocks-info-box-link-wrap{text-align:center;}}@media all and (max-width: 767px){.kt-info-box1603_11f3d3-82 .kt-blocks-info-box-link-wrap{text-align:center;}}<\/style>\n<div class=\"wp-block-kadence-infobox kt-info-box1603_11f3d3-82\"><span class=\"kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-center kb-info-tablet-halign-center kb-info-mobile-halign-center\"><div class=\"kt-blocks-info-box-media-container\"><div class=\"kt-blocks-info-box-media kt-info-media-animate-none\"><div class=\"kadence-info-box-image-inner-intrisic-container\"><div class=\"kadence-info-box-image-intrisic kt-info-animate-none\"><div class=\"kadence-info-box-image-inner-intrisic\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2021\/04\/brandy-kennedy-yhpw4-3xX7I-unsplash-1.jpg\" alt=\"\" width=\"500\" height=\"500\" class=\"kt-info-box-image wp-image-359\" srcset=\"https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2021\/04\/brandy-kennedy-yhpw4-3xX7I-unsplash-1.jpg 500w, https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2021\/04\/brandy-kennedy-yhpw4-3xX7I-unsplash-1-300x300.jpg 300w, https:\/\/indexeduniversallife.us\/wp-content\/uploads\/2021\/04\/brandy-kennedy-yhpw4-3xX7I-unsplash-1-150x150.jpg 150w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" \/><\/div><\/div><\/div><\/div><\/div><div class=\"kt-infobox-textcontent\"><\/div><\/span><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column1603_109137-7e > .kt-inside-inner-col{display:flex;}.kadence-column1603_109137-7e > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column1603_109137-7e > .kt-inside-inner-col,.kadence-column1603_109137-7e > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1603_109137-7e > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1603_109137-7e > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column1603_109137-7e > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column1603_109137-7e{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1603_109137-7e{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1603_109137-7e > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column1603_109137-7e > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1603_109137-7e{position:relative;}@media all and (max-width: 1024px){.kadence-column1603_109137-7e > .kt-inside-inner-col{padding-top:0px;padding-right:60px;padding-bottom:0px;padding-left:60px;flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column1603_109137-7e{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1603_109137-7e{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1603_109137-7e > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column1603_109137-7e > .kt-inside-inner-col{padding-top:10px;padding-right:0px;padding-bottom:40px;padding-left:0px;flex-direction:column;justify-content:center;}.kt-row-column-wrap > .kadence-column1603_109137-7e{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1603_109137-7e{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1603_109137-7e > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-2 wp-block-kadence-column kadence-column1603_109137-7e\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-icon.kt-svg-icons1603_616074-d3{justify-content:center;}@media all and (max-width: 1024px){.wp-block-kadence-icon.kt-svg-icons1603_616074-d3{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-icon.kt-svg-icons1603_616074-d3{justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-icon kt-svg-icons kt-svg-icons1603_616074-d3 alignnone\"><style>.kt-svg-item-1603_df8034-78 .kb-svg-icon-wrap, .kt-svg-style-stacked.kt-svg-item-1603_df8034-78 .kb-svg-icon-wrap{color:#ffd972;font-size:22px;margin-right:10px;}<\/style>\n<div class=\"wp-block-kadence-single-icon kt-svg-style-default kt-svg-icon-wrap kt-svg-item-1603_df8034-78\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_star\"><svg viewBox=\"0 0 576 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\"\/><\/svg><\/span><\/div>\n\n\n<style>.kt-svg-item-1603_90b326-60 .kb-svg-icon-wrap, .kt-svg-style-stacked.kt-svg-item-1603_90b326-60 .kb-svg-icon-wrap{color:#ffd972;font-size:22px;margin-right:10px;}<\/style>\n<div class=\"wp-block-kadence-single-icon kt-svg-style-default kt-svg-icon-wrap kt-svg-item-1603_90b326-60\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_star\"><svg viewBox=\"0 0 576 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\"\/><\/svg><\/span><\/div>\n\n\n<style>.kt-svg-item-1603_8f4c1f-22 .kb-svg-icon-wrap, .kt-svg-style-stacked.kt-svg-item-1603_8f4c1f-22 .kb-svg-icon-wrap{color:#ffd972;font-size:22px;margin-right:10px;}<\/style>\n<div class=\"wp-block-kadence-single-icon kt-svg-style-default kt-svg-icon-wrap kt-svg-item-1603_8f4c1f-22\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_star\"><svg viewBox=\"0 0 576 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\"\/><\/svg><\/span><\/div>\n\n\n<style>.kt-svg-item-1603_4f3d9c-ba .kb-svg-icon-wrap, .kt-svg-style-stacked.kt-svg-item-1603_4f3d9c-ba .kb-svg-icon-wrap{color:#ffd972;font-size:22px;margin-right:10px;}<\/style>\n<div class=\"wp-block-kadence-single-icon kt-svg-style-default kt-svg-icon-wrap kt-svg-item-1603_4f3d9c-ba\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_star\"><svg viewBox=\"0 0 576 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\"\/><\/svg><\/span><\/div>\n\n\n<style>.kt-svg-item-1603_365b99-3e .kb-svg-icon-wrap, .kt-svg-style-stacked.kt-svg-item-1603_365b99-3e .kb-svg-icon-wrap{color:#ffd972;font-size:22px;}<\/style>\n<div class=\"wp-block-kadence-single-icon kt-svg-style-default kt-svg-icon-wrap kt-svg-item-1603_365b99-3e\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_star\"><svg viewBox=\"0 0 576 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\"\/><\/svg><\/span><\/div>\n<\/div>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading1603_aaf52b-a5, .wp-block-kadence-advancedheading.kt-adv-heading1603_aaf52b-a5[data-kb-block=\"kb-adv-heading1603_aaf52b-a5\"]{margin-top:20px;margin-bottom:23.5px;line-height:1em;font-style:normal;text-transform:none;}.wp-block-kadence-advancedheading.kt-adv-heading1603_aaf52b-a5 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1603_aaf52b-a5[data-kb-block=\"kb-adv-heading1603_aaf52b-a5\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1603_aaf52b-a5 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1603_aaf52b-a5[data-kb-block=\"kb-adv-heading1603_aaf52b-a5\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading1603_aaf52b-a5, .wp-block-kadence-advancedheading.kt-adv-heading1603_aaf52b-a5[data-kb-block=\"kb-adv-heading1603_aaf52b-a5\"]{text-align:center!important;}}<\/style>\n<h3 class=\"kt-adv-heading1603_aaf52b-a5 wp-block-kadence-advancedheading has-theme-palette-9-color has-text-color\" data-kb-block=\"kb-adv-heading1603_aaf52b-a5\">Get personalized quotes \u2014 Free, No-Obligation IUL Quote: Enter Info, Calculate A Deposit In 5 Min, Talk To An Agent. It Costs $0 To Run The Numbers &amp; Calculate A Recurring Deposit. No-Obligation IUL Estimate In 5 Min.<\/h3>\n\n\n<style>.wp-block-kadence-advancedbtn.kt-btns1603_f54cc0-ef, .site .entry-content .wp-block-kadence-advancedbtn.kt-btns1603_f54cc0-ef, .wp-block-kadence-advancedbtn.kb-btns1603_f54cc0-ef, .site .entry-content .wp-block-kadence-advancedbtn.kb-btns1603_f54cc0-ef{margin-top:40px;margin-right:0px;margin-bottom:-5px;margin-left:0px;}.wp-block-kadence-advancedbtn.kb-btns1603_f54cc0-ef{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:flex-start;align-items:center;}.kt-btns1603_f54cc0-ef .kt-button{font-weight:normal;font-style:normal;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kb-btns1603_f54cc0-ef{justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns1603_f54cc0-ef\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn1603_072232-57.kb-button{width:initial;}<\/style><a class=\"kb-button kt-button button kb-btn1603_072232-57 kt-btn-size-standard kt-btn-width-type-auto kb-btn-global-inherit  kt-btn-has-text-true kt-btn-has-svg-false  wp-block-button__link wp-block-kadence-singlebtn\" href=\"\/getstarted\/\"><span class=\"kt-btn-inner-text\">Get Started<\/span><\/a><\/div>\n<\/div><\/div>\n\n<\/div><\/div><\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id1603_0efa6a-62{margin-top:60px;margin-bottom:0px;}.kb-row-layout-id1603_0efa6a-62 > .kt-row-column-wrap{align-content:center;}:where(.kb-row-layout-id1603_0efa6a-62 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:center;}.kb-row-layout-id1603_0efa6a-62 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-none, 0rem );max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-right:20px;padding-bottom:99px;padding-left:20px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id1603_0efa6a-62 > 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.kadence-column1603_eca7e9-24:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}@media all and (max-width: 767px){.kadence-column1603_eca7e9-24 > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;flex-direction:column;justify-content:center;}.kt-row-column-wrap > .kadence-column1603_eca7e9-24{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1603_eca7e9-24{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1603_eca7e9-24 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column1603_eca7e9-24, .kt-inside-inner-col > .kadence-column1603_eca7e9-24:not(.specificity){margin-top:40px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}<\/style>\n<div class=\"inner-column-2 wp-block-kadence-column kadence-column1603_eca7e9-24\"><div class=\"kt-inside-inner-col\">\n<h2 class=\"wp-block-heading\"><strong>Maximizing Interest Crediting in Your IUL Policy<\/strong><\/h2>\n\n\n\n<p class=\"\">The interest credited to your Indexed Universal Life (IUL) policy\u2019s cash value is guaranteed to remain intact, even if the underlying index performs poorly in the future. This allows your cash value to compound over time without having to recover from any past losses.<\/p>\n\n\n\n<p class=\"\">There are several interest crediting methods available, depending on the insurance company and policy. These typically include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\"><strong>Point-to-Point<\/strong><\/li>\n\n\n\n<li class=\"\"><strong>Monthly Sum<\/strong><\/li>\n\n\n\n<li class=\"\"><strong>Monthly Average<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"\">In the <strong>Point-to-Point<\/strong> method, the index value at the end of the period is compared to the value at the beginning. If the index rises, interest is credited to your policy\u2019s cash value, up to a cap rate.<\/p>\n\n\n\n<p class=\"\">The <strong>Monthly Sum<\/strong> method tracks the percentage change of the index each month, summing the increases and decreases over the year. If the overall result is positive, interest is credited.<\/p>\n\n\n\n<p class=\"\">The <strong>Monthly Average<\/strong> method calculates the average index value by summing the end-of-month values and dividing by twelve.<\/p>\n\n\n\n<p class=\"\">With all of these methods, if the index produces a negative return, your IUL policy is protected by a 0% credit, ensuring your cash value doesn\u2019t decrease.<\/p>\n\n\n\n<p class=\"\">The crediting methods and index choices in your IUL policy can significantly influence its performance. Regularly reviewing your policy\u2019s growth and comparing it to the original IUL illustration is essential for optimizing returns. Working with a knowledgeable IUL expert can help you make necessary adjustments to ensure your policy continues to perform well.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>IUL Insurance Crediting Rates IUL crediting rates represent the amount applied to an index segment. At the end of an index period, typically on the policy\u2019s anniversary, the index credit is calculated and added to the policy\u2019s cash value account. Cash Value Growth in Indexed Universal Life Insurance (IUL) Indexed Universal Life (IUL) insurance allows&#8230;<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"nf_dc_page":"","_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_kadence_starter_templates_imported_post":true,"_kad_post_transparent":"","_kad_post_title":"hide","_kad_post_layout":"fullwidth","_kad_post_sidebar_id":"","_kad_post_content_style":"unboxed","_kad_post_vertical_padding":"hide","_kad_post_feature":"hide","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"class_list":["post-1603","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How Interest is Credited to an IUL Policy<\/title>\n<meta name=\"description\" content=\"IUL Insurance Crediting RatesIUL crediting rates represent the amount applied to an index segment. 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