That rate is based on an historical average from Decemthrough December 31, 2012. American General shows a 9.28% interest rate as current illustrative rate for the 5 year point-t0-point. ING has put out some impressive historical data to back up that assertion. The strength of this index selection and weighted approach are hypothetical high rates of return as gauged by historical averages. Both products offer a 15% guaranteed participation rate. Participation rates are the focus rather than cap rates on these 5 year point-to-point products. 25% annually.Īmerican General’s product is very similar to ING with their “ING IUL-Global Choice.” ING also has a blended index using the same indexes and weight, though ING also offers a 2 year point-to-point as well as the 5 year point-to-point. This blended index performance is weighed 75% best index, 25% second best index multiplied by the participation rate. The choices for indexes are the S & P 500 annual point-to-point, or a 5 year point-to-point blended index: S&P 500®, the EURO STOXX 50® Index, and the Hang Seng Index. ![]() American General recently introduced the Indexed Universal Life (IUL) product “Elite Global Plus II”.
0 Comments
Leave a Reply. |
AuthorWrite something about yourself. No need to be fancy, just an overview. ArchivesCategories |