Cover Slide
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For Financial Professional Use Only. Not For Use With Consumers
The Periodic Table Of Investments and Life Insurance
For Financial Professional Use Only. Not For Use With Consumers.
Policies issued by American General Life Insurance Company (AGL), Houston, TX and by
The United States Life Insurance Company in the state of New York (US Life), members of Corebridge Financial
AGLC200941REV1024; Red Oak 3966700
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For Financial Professional Use Only. Not For Use With Consumers
2
For Financial Professional Use Only. Not For Use With Consumers
Important Notes
Remember that several Broker-Dealers (such as Morgan Stanley) are unable to recommend proprietary indices such as the MLSB, PIMCO or Franklin Quality Dividends indices at point-of-sale, so those slides need to be "hidden" when presenting to certain Broker-Dealers.
Please be sure to hide the appropriate slides before beginning the presentation.
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For Financial Professional Use Only. Not For Use With Consumers
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For Financial Professional Use Only. Not For Use With Consumers
Important Notes
This information is general in nature, was developed for educational use only, and is not intended to provide financial, legal, fiduciary, accounting or tax advice, nor is it intended to make any recommendations. Applicable laws and regulations are complex and subject to change. Please consult with your financial professional regarding your situation. For legal, accounting or tax advice, consult the appropriate professional.
Policies issued by American General Life Insurance Company (AGL), Houston, TX except in New York, where issued by the United States Life Insurance Company in the City of New York (US Life). Issuing companies AGL and US Life are responsible for financial obligations of insurance products and are members of Corebridge Financial Distributors. Guarantees are backed by the claims-paying ability of the issuing insurance company.
Products may not be available in all states and product features may vary by state.
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For Financial Professional Use Only. Not For Use With Consumers
4
For Financial Professional Use Only. Not For Use With Consumers
Important Notes
These examples DO NOT use the actual index accounts available within any Corebridge Financial Index Universal Life policy. The values expressed in this presentation reflect the returns of the retail index accounts; and then Caps, Floors and Participation Rates are applied as disclosed throughout the presentation footnotes.
None of the calculations shown in this presentation are meant to be representative of the actual returns credited to any life insurance policy.
The examples shown here are for hypothetical purposes only, and are intended to help you understand indexing concepts related to volatility based on past performance.
All of these examples are predicated on past performance of the various retail indices. Past performance is no indication of any potential future performance of any index, investment or life insurance policy.
For advice concerning your individual circumstances, consult an attorney, financial advisor, tax advisor or accountant.
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For Financial Professional Use Only. Not For Use With Consumers
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For Financial Professional Use Only. Not For Use With Consumers
The Periodic Table of Elements
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For Financial Professional Use Only. Not For Use With Consumers
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For Financial Professional Use Only. Not For Use With Consumers
The Periodic Table of Investments (annual returns)
2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
Real Estate 37.96% | Emerging Market Equity 34.00% | Real Estate 42.12% | Emerging Market Equity 39.38% | U.S. Fixed Income 5.24% | Emerging Market Equity 78.51% | Small-Cap Equity 26.85% | U.S. Fixed Income 7.84% | Real Estate 27.73% | Small-Cap Equity 38.82% | Real Estate 15.02% | S&P 500 Index 1.38% | Small-Cap Equity 21.31% | Emerging Market Equity 37.28% | Cash Equivalent 1.87% | S&P 500 Index 31.49% | Small-Cap Equity 19.96% | S&P 500 Index 28.71% | Cash Equivalent 1.46% | S&P 500 Index 26.29% |
Emerging Market Equity 25.55% | Real Estate 15.35% | Emerging Market Equity 32.17% | Developed Ex-U.S. Equity 12.44% | Global ex-U.S. Fixed 4.39% | High-Yield Bonds 58.21% | Real Estate 19.63% | High-Yield Bonds 4.98% | Emerging Market Equity 18.23% | S&P 500 Index 32.39% | S&P 500 Index 13.69% | U.S. Fixed Income 0.55% | High-Yield Bonds 17.13% | Developed Ex-U.S. Equity 24.21% | U.S. Fixed Income 0.01% | Small-Cap Equity 25.52% | S&P 500 Index 18.40% | Real Estate 26.09% | High-Yield Bonds -11.19% | Developed Ex-U.S. Equity 17.94% |
Developed Ex-U.S. Equity 20.38% | Developed Ex-U.S. Equity 14.47% | Developed Ex-U.S. Equity 25.71% | Global ex-U.S. Fixed 11.03% | Cash Equivalent 2.06% | Real Estate 37.13% | Emerging Market Equity 18.88% | Global ex-U.S. Fixed 4.36% | Developed Ex-U.S. Equity 16.41% | Developed Ex-U.S. Equity 21.02% | U.S. Fixed Income 5.97% | Cash Equivalent 0.05% | S&P 500 Index 11.96% | S&P 500 Index 21.83% | High-Yield Bonds -2.06% | Developed Ex-U.S. Equity 22.49% | Emerging Market Equity 18.31% | Small-Cap Equity 14.82% | U.S. Fixed Income -11.19% | Small-Cap Equity 16.93% |
Small-Cap Equity 18.33% | S&P 500 Index 4.91% | Small-Cap Equity 18.37% | U.S. Fixed Income 6.97% | High-Yield Bonds -26.16% | Developed Ex-U.S. Equity 33.67% | High-Yield Bonds 15.12% | S&P 500 Index 2.11% | Small-Cap Equity 16.35% | High-Yield Bonds 7.44% | Small-Cap Equity 4.89% | Real Estate -0.79% | Emerging Market Equity 11.19% | Small-Cap Equity 14.65% | Global ex-U.S. Fixed -2.15% | Real Estate 21.91% | Global ex-U.S. Fixed 10.11% | Developed Ex-U.S. Equity 12.62% | Developed Ex-U.S. Equity -14.29% | High-Yield Bonds 13.44% |
Global ex-U.S. Fixed 12.54% | Small-Cap Equity 4.55% | S&P 500 Index 15.79% | S&P 500 Index 5.49% | Small-Cap Equity -33.79% | Small-Cap Equity 27.17% | S&P 500 Index 15.06% | Cash Equivalent 0.10% | S&P 500 Index 16.00% | Real Estate 3.67% | High-Yield Bonds 2.45% | Developed Ex-U.S. Equity -3.04% | Real Estate 4.06% | Global ex-U.S. Fixed 10.51% | S&P 500 Index -4.38% | Emerging Market Equity 18.44% | Developed Ex-U.S. Equity 7.59% | High-Yield Bonds 5.28% | S&P 500 Index -18.11% | Emerging Market Equity 9.83% |
High-Yield Bonds 11.13% | Cash Equivalent 3.07% | High-Yield Bonds 11.85% | Cash Equivalent 5.00% | S&P 500 Index -37.00% | S&P 500 Index 26.47% | Developed Ex-U.S. Equity 8.95% | Small-Cap Equity -4.18% | High-Yield Bonds 15.81% | Cash Equivalent 0.07% | Cash Equivalent 0.03% | Small-Cap Equity -4.41% | Developed Ex-U.S. Equity 2.75% | Real Estate 10.36% | Real Estate -5.63% | High-Yield Bonds 14.32% | U.S. Fixed Income 7.51% | Cash Equivalent 0.05% | Global ex-U.S. Fixed -18.70% | Real Estate 9.67% |
S&P 500 Index 10.88% | High-Yield Bonds 2.74% | Global ex-U.S. Fixed 8.16% | High-Yield Bonds 1.87% | Developed Ex-U.S. Equity -43.56% | Global ex-U.S. Fixed 7.53% | U.S. Fixed Income 6.54% | Real Estate -6.46% | U.S. Fixed Income 4.21% | U.S. Fixed Income -2.02% | Emerging Market Equity -2.19% | High-Yield Bonds 4.47% | U.S. Fixed Income 2.65% | High-Yield Bonds 7.50% | Small-Cap Equity -11.01% | U.S. Fixed Income 8.72% | High-Yield Bonds 7.11% | U.S. Fixed Income -1.54% | Emerging Market Equity -20.09% | Global ex-U.S. Fixed 5.72% |
U.S. Fixed Income 4.34% | U.S. Fixed Income 2.43% | Cash Equivalent 4.85% | Small-Cap Equity -1.57% | Real Estate -48.21% | U.S. Fixed Income 5.93% | Global ex-U.S. Fixed 4.95% | Developed Ex-U.S. Equity -12.21% | Global ex-U.S. Fixed 4.09% | Emerging Market Equity -2.60% | Global ex-U.S. Fixed -3.09% | Global ex-U.S. Fixed -6.02% | Global ex-U.S. Fixed 1.49% | U.S. Fixed Income 3.54% | Developed Ex-U.S. Equity -14.09% | Global ex-U.S. Fixed 5.09% | Cash Equivalent 0.67% | Emerging Market Equity -2.54% | Small-Cap Equity -20.44% | U.S. Fixed Income 5.53% |
Cash Equivalent 1.33% | Global ex-U.S. Fixed -8.65% | U.S. Fixed Income 4.33% | Real Estate -7.39% | Emerging Market Equity -53.33% | Cash Equivalent 0.21% | Cash Equivalent 0.13% | Emerging Market Equity -18.42% | Cash Equivalent 0.11% | Global ex-U.S. Fixed 3.08% | Developed Ex-U.S. Equity -4.32% | Emerging Market Equity -14.92% | Cash Equivalent 0.33% | Cash Equivalent 0.86% | Emerging Market Equity -14.57% | Cash Equivalent 2.28% | Real Estate -9.04% | Global ex-U.S. Fixed -7.05% | Real Estate -25.10% | Cash Equivalent 5.01% |
Source: The Callan Periodic Table of Investment Returns
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For Financial Professional Use Only. Not For Use With Consumers
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For Financial Professional Use Only. Not For Use With Consumers
The Periodic Table of Investments (annual returns)
2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
Real Estate 37.96% | Emerging Market Equity 34.00% | Real Estate 42.12% | Emerging Market Equity 39.38% | U.S. Fixed Income 5.24% | Emerging Market Equity 78.51% | Small-Cap Equity 26.85% | U.S. Fixed Income 7.84% | Real Estate 27.73% | Small-Cap Equity 38.82% | Real Estate 15.02% | S&P 500 Index 1.38% | Small-Cap Equity 21.31% | Emerging Market Equity 37.28% | Cash Equivalent 1.87% | S&P 500 Index 31.49% | Small-Cap Equity 19.96% | S&P 500 Index 28.71% | Cash Equivalent 1.46% | S&P 500 Index 26.29% |
Emerging Market Equity 25.55% | Real Estate 15.35% | Emerging Market Equity 32.17% | Developed Ex-U.S. Equity 12.44% | Global ex-U.S. Fixed 4.39% | High-Yield Bonds 58.21% | Real Estate 19.63% | High-Yield Bonds 4.98% | Emerging Market Equity 18.23% | S&P 500 Index 32.39% | S&P 500 Index 13.69% | U.S. Fixed Income 0.55% | High-Yield Bonds 17.13% | Developed Ex-U.S. Equity 24.21% | U.S. Fixed Income 0.01% | Small-Cap Equity 25.52% | S&P 500 Index 18.40% | Real Estate 26.09% | High-Yield Bonds -11.19% | Developed Ex-U.S. Equity 17.94% |
Developed Ex-U.S. Equity 20.38% | Developed Ex-U.S. Equity 14.47% | Developed Ex-U.S. Equity 25.71% | Global ex-U.S. Fixed 11.03% | Cash Equivalent 2.06% | Real Estate 37.13% | Emerging Market Equity 18.88% | Global ex-U.S. Fixed 4.36% | Developed Ex-U.S. Equity 16.41% | Developed Ex-U.S. Equity 21.02% | U.S. Fixed Income 5.97% | Cash Equivalent 0.05% | S&P 500 Index 11.96% | S&P 500 Index 21.83% | High-Yield Bonds -2.06% | Developed Ex-U.S. Equity 22.49% | Emerging Market Equity 18.31% | Small-Cap Equity 14.82% | U.S. Fixed Income -11.19% | Small-Cap Equity 16.93% |
Small-Cap Equity 18.33% | S&P 500 Index 4.91% | Small-Cap Equity 18.37% | U.S. Fixed Income 6.97% | High-Yield Bonds -26.16% | Developed Ex-U.S. Equity 33.67% | High-Yield Bonds 15.12% | S&P 500 Index 2.11% | Small-Cap Equity 16.35% | High-Yield Bonds 7.44% | Small-Cap Equity 4.89% | Real Estate -0.79% | Emerging Market Equity 11.19% | Small-Cap Equity 14.65% | Global ex-U.S. Fixed -2.15% | Real Estate 21.91% | Global ex-U.S. Fixed 10.11% | Developed Ex-U.S. Equity 12.62% | Developed Ex-U.S. Equity -14.29% | High-Yield Bonds 13.44% |
Global ex-U.S. Fixed 12.54% | Small-Cap Equity 4.55% | S&P 500 Index 15.79% | S&P 500 Index 5.49% | Small-Cap Equity -33.79% | Small-Cap Equity 27.17% | S&P 500 Index 15.06% | Cash Equivalent 0.10% | S&P 500 Index 16.00% | Real Estate 3.67% | High-Yield Bonds 2.45% | Developed Ex-U.S. Equity -3.04% | Real Estate 4.06% | Global ex-U.S. Fixed 10.51% | S&P 500 Index -4.38% | Emerging Market Equity 18.44% | Developed Ex-U.S. Equity 7.59% | High-Yield Bonds 5.28% | S&P 500 Index -18.11% | Emerging Market Equity 9.83% |
High-Yield Bonds 11.13% | Cash Equivalent 3.07% | High-Yield Bonds 11.85% | Cash Equivalent 5.00% | S&P 500 Index -37.00% | S&P 500 Index 26.47% | Developed Ex-U.S. Equity 8.95% | Small-Cap Equity -4.18% | High-Yield Bonds 15.81% | Cash Equivalent 0.07% | Cash Equivalent 0.03% | Small-Cap Equity -4.41% | Developed Ex-U.S. Equity 2.75% | Real Estate 10.36% | Real Estate -5.63% | High-Yield Bonds 14.32% | U.S. Fixed Income 7.51% | Cash Equivalent 0.05% | Global ex-U.S. Fixed -18.70% | Real Estate 9.67% |
S&P 500 Index 10.88% | High-Yield Bonds 2.74% | Global ex-U.S. Fixed 8.16% | High-Yield Bonds 1.87% | Developed Ex-U.S. Equity -43.56% | Global ex-U.S. Fixed 7.53% | U.S. Fixed Income 6.54% | Real Estate -6.46% | U.S. Fixed Income 4.21% | U.S. Fixed Income -2.02% | Emerging Market Equity -2.19% | High-Yield Bonds 4.47% | U.S. Fixed Income 2.65% | High-Yield Bonds 7.50% | Small-Cap Equity -11.01% | U.S. Fixed Income 8.72% | High-Yield Bonds 7.11% | U.S. Fixed Income -1.54% | Emerging Market Equity -20.09% | Global ex-U.S. Fixed 5.72% |
U.S. Fixed Income 4.34% | U.S. Fixed Income 2.43% | Cash Equivalent 4.85% | Small-Cap Equity -1.57% | Real Estate -48.21% | U.S. Fixed Income 5.93% | Global ex-U.S. Fixed 4.95% | Developed Ex-U.S. Equity -12.21% | Global ex-U.S. Fixed 4.09% | Emerging Market Equity -2.60% | Global ex-U.S. Fixed -3.09% | Global ex-U.S. Fixed -6.02% | Global ex-U.S. Fixed 1.49% | U.S. Fixed Income 3.54% | Developed Ex-U.S. Equity -14.09% | Global ex-U.S. Fixed 5.09% | Cash Equivalent 0.67% | Emerging Market Equity -2.54% | Small-Cap Equity -20.44% | U.S. Fixed Income 5.53% |
Cash Equivalent 1.33% | Global ex-U.S. Fixed -8.65% | U.S. Fixed Income 4.33% | Real Estate -7.39% | Emerging Market Equity -53.33% | Cash Equivalent 0.21% | Cash Equivalent 0.13% | Emerging Market Equity -18.42% | Cash Equivalent 0.11% | Global ex-U.S. Fixed 3.08% | Developed Ex-U.S. Equity -4.32% | Emerging Market Equity -14.92% | Cash Equivalent 0.33% | Cash Equivalent 0.86% | Emerging Market Equity -14.57% | Cash Equivalent 2.28% | Real Estate -9.04% | Global ex-U.S. Fixed -7.05% | Real Estate -25.10% | Cash Equivalent 5.01% |
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S&P 500 WITH
10% Cap & 0% Floor
S&P 500 WITHOUT
Caps or Floors
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For Financial Professional Use Only. Not For Use With Consumers
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For Financial Professional Use Only. Not For Use With Consumers
Is There Volatility�In IUL?
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For Financial Professional Use Only. Not For Use With Consumers
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For Financial Professional Use Only. Not For Use With Consumers
The Periodic Table of Indexes (annual returns)�(includes AVE bonus interest in all years)
2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
PIMCO 75% Par Rate 12.62% | PIMCO 75% Par Rate 8.65% | PIMCO 75% Par Rate 15.94% | MLSB 100% Par Rate 11.22% | Franklin 100% Par Rate 0.75% | PIMCO 75% Par Rate 12.76% | MLSB 100% Par Rate 14.04% | MLSB 100% Par Rate 10.82% | S&P 500 10.5% Cap 10.60% | Franklin 100% Par Rate 13.42% | MLSB 100% Par Rate 11.17% | Franklin 100% Par Rate 0.75% | S&P 500 10.5% Cap 9.64% | PIMCO 75% Par Rate 17.76% | Franklin 100% Par Rate 0.75% | MLSB 100% Par Rate 14.83% | MLSB 100% Par Rate 11.17% | S&P 500 10.5% Cap 10.60% | Franklin 100% Par Rate 0.75% | S&P 500 10.5% Cap 10.6% |
S&P 500 10.5% Cap 9.09% | Franklin 100% Par Rate 3.40% | Franklin 100% Par Rate 12.88% | PIMCO 75% Par Rate 7.88% | MLSB 100% Par Rate 0.65% | S&P 500 10.5% Cap 10.60% | S&P 500 10.5% Cap 10.60% | Franklin 100% Par Rate 1.05% | MLSB 100% Par Rate 8.47% | S&P 500 10.5% Cap 10.60% | S&P 500 10.5% Cap 10.60% | MLSB 100% Par Rate 0.65% | Franklin 100% Par Rate 4.96% | Franklin 100% Par Rate 13.22% | MLSB 100% Par Rate 0.65% | PIMCO 75% Par Rate 11.16% | S&P 500 10.5% Cap 10.60% | Franklin 100% Par Rate 9.07% | MLSB 100% Par Rate 0.65% | PIMCO 75% Par Rate 8.65% |
Franklin 100% Par Rate 8.92% | S&P 500 10.5% Cap 3.10% | S&P 500 10.5% Cap 10.60% | Franklin 100% Par Rate 5.22% | PIMCO 75% Par Rate 0.40% | Franklin 100% Par Rate 6.92% | PIMCO 75% Par Rate 9.44% | PIMCO 75% Par Rate 0.92% | PIMCO 75% Par Rate 6.63% | PIMCO 75% Par Rate 9.73% | Franklin 100% Par Rate 5.25% | PIMCO 75% Par Rate 0.40% | PIMCO 75% Par Rate 4.46% | S&P 500 10.5% Cap 10.60% | PIMCO 75% Par Rate 0.40% | S&P 500 10.5% Cap 10.60% | Franklin 100% Par Rate 1.30% | PIMCO 75% Par Rate 4.11% | PIMCO 75% Par Rate 0.40% | MLSB 100% Par Rate 6.94% |
MLSB 100% Par Rate 7.97% | MLSB 100% Par Rate 2.39% | MLSB 100% Par Rate 7.46% | S&P 500 10.5% Cap 3.63% | S&P 500 10.5% Cap 0.10% | MLSB 100% Par Rate 3.57% | Franklin 100% Par Rate 6.97% | S&P 500 10% Cap 0.10% | Franklin 100% Par Rate 5.42% | MLSB 100% Par Rate 3.33% | PIMCO 75% Par Rate 0.92% | S&P 500 10.5% Cap 0.10% | MLSB 100% Par Rate 3.38% | MLSB 100% Par Rate 8.60% | S&P 500 10.5% Cap 0.10% | Franklin 100% Par Rate 10.41% | PIMCO 75% Par Rate 1.02% | MLSB 100% Par Rate 1.04% | S&P 500 10.5% Cap 0.10% | Franklin 100% Par Rate 0.75% |
The values and returns shown do not directly reflect any specific Index Account within any Index Universal Life policy. The values reflect returns from the retail indices, then modified by fictitious caps, floors and participation rates that aren’t intended to replicate any particular Index Account or Index Universal Life Policy. The equity index accounts provide benefits linked to an external equity index. The equity index account does not participate directly in the equity markets.
Based on the retail indices adjusted for caps, floors, participation rates and AVE bonus interest. Not intended to represent any particular Index UL product or any Index with an IUL product. All results shown are historical results, and none of this data suggests or guarantees similar performance in the future.
AVE Bonus Interest Assumptions: MLSB = .65%; PIMCO = .40%; Franklin = .75%; S&P 500 = .10%
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For Financial Professional Use Only. Not For Use With Consumers
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For Financial Professional Use Only. Not For Use With Consumers
The Periodic Table of Indexes (annual returns)�(includes AVE bonus interest in all years)
2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
PIMCO 75% Par Rate 12.62% | PIMCO 75% Par Rate 8.65% | PIMCO 75% Par Rate 15.94% | MLSB 100% Par Rate 11.22% | Franklin 100% Par Rate 0.75% | PIMCO 75% Par Rate 12.76% | MLSB 100% Par Rate 14.04% | MLSB 100% Par Rate 10.82% | S&P 500 10.5% Cap 10.60% | Franklin 100% Par Rate 13.42% | MLSB 100% Par Rate 11.17% | Franklin 100% Par Rate 0.75% | S&P 500 10.5% Cap 9.64% | PIMCO 75% Par Rate 17.76% | Franklin 100% Par Rate 0.75% | MLSB 100% Par Rate 14.83% | MLSB 100% Par Rate 11.17% | S&P 500 10.5% Cap 10.60% | Franklin 100% Par Rate 0.75% | S&P 500 10.5% Cap 10.6% |
S&P 500 10.5% Cap 9.09% | Franklin 100% Par Rate 3.40% | Franklin 100% Par Rate 12.88% | PIMCO 75% Par Rate 7.88% | MLSB 100% Par Rate 0.65% | S&P 500 10.5% Cap 10.60% | S&P 500 10.5% Cap 10.60% | Franklin 100% Par Rate 1.05% | MLSB 100% Par Rate 8.47% | S&P 500 10.5% Cap 10.60% | S&P 500 10.5% Cap 10.60% | MLSB 100% Par Rate 0.65% | Franklin 100% Par Rate 4.96% | Franklin 100% Par Rate 13.22% | MLSB 100% Par Rate 0.65% | PIMCO 75% Par Rate 11.16% | S&P 500 10.5% Cap 10.60% | Franklin 100% Par Rate 9.07% | MLSB 100% Par Rate 0.65% | PIMCO 75% Par Rate 8.65% |
Franklin 100% Par Rate 8.92% | S&P 500 10.5% Cap 3.10% | S&P 500 10.5% Cap 10.60% | Franklin 100% Par Rate 5.22% | PIMCO 75% Par Rate 0.40% | Franklin 100% Par Rate 6.92% | PIMCO 75% Par Rate 9.44% | PIMCO 75% Par Rate 0.92% | PIMCO 75% Par Rate 6.63% | PIMCO 75% Par Rate 9.73% | Franklin 100% Par Rate 5.25% | PIMCO 75% Par Rate 0.40% | PIMCO 75% Par Rate 4.46% | S&P 500 10.5% Cap 10.60% | PIMCO 75% Par Rate 0.40% | S&P 500 10.5% Cap 10.60% | Franklin 100% Par Rate 1.30% | PIMCO 75% Par Rate 4.11% | PIMCO 75% Par Rate 0.40% | MLSB 100% Par Rate 6.94% |
MLSB 100% Par Rate 7.97% | MLSB 100% Par Rate 2.39% | MLSB 100% Par Rate 7.46% | S&P 500 10.5% Cap 3.63% | S&P 500 10.5% Cap 0.10% | MLSB 100% Par Rate 3.57% | Franklin 100% Par Rate 6.97% | S&P 500 10.5% Cap 0.10% | Franklin 100% Par Rate 5.42% | MLSB 100% Par Rate 3.33% | PIMCO 75% Par Rate 0.92% | S&P 500 10.5% Cap 0.10% | MLSB 100% Par Rate 3.38% | MLSB 100% Par Rate 8.60% | S&P 500 10.5% Cap 0.10% | Franklin 100% Par Rate 10.41% | PIMCO 75% Par Rate 1.02% | MLSB 100% Par Rate 1.04% | S&P 500 10.5% Cap 0.10% | Franklin 100% Par Rate 0.75% |
The values and returns shown do not directly reflect any specific Index Account within any Index Universal Life policy. The values reflect returns from the retail indices, then modified by fictitious caps, floors and participation rates that aren’t intended to replicate any particular Index Account or Index Universal Life Policy. The equity index accounts provide benefits linked to an external equity index. The equity index account does not participate directly in the equity markets.
Based on the retail indices adjusted for caps, floors, participation rates and AVE bonus interest. Not intended to represent any particular Index UL product or any Index with an IUL product. All results shown are historical results, and none of this data suggests or guarantees similar performance in the future.
AVE Bonus Interest Assumptions: MLSB = .65%; PIMCO = .40%; Franklin = .75%; S&P 500 = .10%
11
For Financial Professional Use Only. Not For Use With Consumers
11
For Financial Professional Use Only. Not For Use With Consumers
The Periodic Table of Indexes (annual returns)�(includes AVE bonus interest in all years)
2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
PIMCO 75% Par Rate 12.62% | PIMCO 75% Par Rate 8.65% | PIMCO 75% Par Rate 15.94% | MLSB 100% Par Rate 11.22% | Franklin 100% Par Rate 0.75% | PIMCO 75% Par Rate 12.76% | MLSB 100% Par Rate 14.04% | MLSB 100% Par Rate 10.82% | S&P 500 10.5% Cap 10.60% | Franklin 100% Par Rate 13.42% | MLSB 100% Par Rate 11.17% | Franklin 100% Par Rate 0.75% | S&P 500 10.5% Cap 9.64% | PIMCO 75% Par Rate 17.76% | Franklin 100% Par Rate 0.75% | MLSB 100% Par Rate 14.83% | MLSB 100% Par Rate 11.17% | S&P 500 10.5% Cap 10.60% | Franklin 100% Par Rate 0.75% | S&P 500 10.5% Cap 10.6% |
S&P 500 10.5% Cap 9.09% | Franklin 100% Par Rate 3.40% | Franklin 100% Par Rate 12.88% | PIMCO 75% Par Rate 7.88% | MLSB 100% Par Rate 0.65% | S&P 500 10.5% Cap 10.60% | S&P 500 10.5% Cap 10.60% | Franklin 100% Par Rate 1.05% | MLSB 100% Par Rate 8.47% | S&P 500 10.5% Cap 10.60% | S&P 500 10.5% Cap 10.60% | MLSB 100% Par Rate 0.65% | Franklin 100% Par Rate 4.96% | Franklin 100% Par Rate 13.22% | MLSB 100% Par Rate 0.65% | PIMCO 75% Par Rate 11.16% | S&P 500 10.5% Cap 10.60% | Franklin 100% Par Rate 9.07% | MLSB 100% Par Rate 0.65% | PIMCO 75% Par Rate 8.65% |
Franklin 100% Par Rate 8.92% | S&P 500 10.5% Cap 3.10% | S&P 500 10.5% Cap 10.60% | Franklin 100% Par Rate 5.22% | PIMCO 75% Par Rate 0.40% | Franklin 100% Par Rate 6.92% | PIMCO 75% Par Rate 9.44% | PIMCO 75% Par Rate 0.92% | PIMCO 75% Par Rate 6.63% | PIMCO 75% Par Rate 9.73% | Franklin 100% Par Rate 5.25% | PIMCO 75% Par Rate 0.40% | PIMCO 75% Par Rate 4.46% | S&P 500 10.5% Cap 10.60% | PIMCO 75% Par Rate 0.40% | S&P 500 10.5% Cap 10.60% | Franklin 100% Par Rate 1.30% | PIMCO 75% Par Rate 4.11% | PIMCO 75% Par Rate 0.40% | MLSB 100% Par Rate 6.94% |
MLSB 100% Par Rate 7.97% | MLSB 100% Par Rate 2.39% | MLSB 100% Par Rate 7.46% | S&P 500 10.5% Cap 3.63% | S&P 500 10.5% Cap 0.10% | MLSB 100% Par Rate 3.57% | Franklin 100% Par Rate 6.97% | S&P 500 10.5% Cap 0.10% | Franklin 100% Par Rate 5.42% | MLSB 100% Par Rate 3.33% | PIMCO 75% Par Rate 0.92% | S&P 500 10.5% Cap 0.10% | MLSB 100% Par Rate 3.38% | MLSB 100% Par Rate 8.60% | S&P 500 10.5% Cap 0.10% | Franklin 100% Par Rate 10.41% | PIMCO 75% Par Rate 1.02% | MLSB 100% Par Rate 1.04% | S&P 500 10.5% Cap 0.10% | Franklin 100% Par Rate 0.75% |
The values and returns shown do not directly reflect any specific Index Account within any Index Universal Life policy. The values reflect returns from the retail indices, then modified by fictitious caps, floors and participation rates that aren’t intended to replicate any particular Index Account or Index Universal Life Policy. The equity index accounts provide benefits linked to an external equity index. The equity index account does not participate directly in the equity markets.
Based on the retail indices adjusted for caps, floors, participation rates and AVE bonus interest. Not intended to represent any particular Index UL product or any Index with an IUL product. All results shown are historical results, and none of this data suggests or guarantees similar performance in the future.
AVE Bonus Interest Assumptions: MLSB = .65%; PIMCO = .40%; Franklin = .75%; S&P 500 = .10%
12
For Financial Professional Use Only. Not For Use With Consumers
12
For Financial Professional Use Only. Not For Use With Consumers
The Periodic Table of Indexes (annual returns)�(includes AVE bonus interest in all years)
2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
PIMCO 75% Par Rate 12.62% | PIMCO 75% Par Rate 8.65% | PIMCO 75% Par Rate 15.94% | MLSB 100% Par Rate 11.22% | Franklin 100% Par Rate 0.75% | PIMCO 75% Par Rate 12.76% | MLSB 100% Par Rate 14.04% | MLSB 100% Par Rate 10.82% | S&P 500 10.5% Cap 10.60% | Franklin 100% Par Rate 13.42% | MLSB 100% Par Rate 11.17% | Franklin 100% Par Rate 0.75% | S&P 500 10.5% Cap 9.64% | PIMCO 75% Par Rate 17.76% | Franklin 100% Par Rate 0.75% | MLSB 100% Par Rate 14.83% | MLSB 100% Par Rate 11.17% | S&P 500 10.5% Cap 10.60% | Franklin 100% Par Rate 0.75% | S&P 500 10.5% Cap 10.6% |
S&P 500 10.5% Cap 9.09% | Franklin 100% Par Rate 3.40% | Franklin 100% Par Rate 12.88% | PIMCO 75% Par Rate 7.88% | MLSB 100% Par Rate 0.65% | S&P 500 10.5% Cap 10.60% | S&P 500 10.5% Cap 10.60% | Franklin 100% Par Rate 1.05% | MLSB 100% Par Rate 8.47% | S&P 500 10.5% Cap 10.60% | S&P 500 10.5% Cap 10.60% | MLSB 100% Par Rate 0.65% | Franklin 100% Par Rate 4.96% | Franklin 100% Par Rate 13.22% | MLSB 100% Par Rate 0.65% | PIMCO 75% Par Rate 11.16% | S&P 500 10.5% Cap 10.60% | Franklin 100% Par Rate 9.07% | MLSB 100% Par Rate 0.65% | PIMCO 75% Par Rate 8.65% |
Franklin 100% Par Rate 8.92% | S&P 500 10.5% Cap 3.10% | S&P 500 10.5% Cap 10.60% | Franklin 100% Par Rate 5.22% | PIMCO 75% Par Rate 0.40% | Franklin 100% Par Rate 6.92% | PIMCO 75% Par Rate 9.44% | PIMCO 75% Par Rate 0.92% | PIMCO 75% Par Rate 6.63% | PIMCO 75% Par Rate 9.73% | Franklin 100% Par Rate 5.25% | PIMCO 75% Par Rate 0.40% | PIMCO 75% Par Rate 4.46% | S&P 500 10.5% Cap 10.60% | PIMCO 75% Par Rate 0.40% | S&P 500 10.5% Cap 10.60% | Franklin 100% Par Rate 1.30% | PIMCO 75% Par Rate 4.11% | PIMCO 75% Par Rate 0.40% | MLSB 100% Par Rate 6.94% |
MLSB 100% Par Rate 7.97% | MLSB 100% Par Rate 2.39% | MLSB 100% Par Rate 7.46% | S&P 500 10.5% Cap 3.63% | S&P 500 10.5% Cap 0.10% | MLSB 100% Par Rate 3.57% | Franklin 100% Par Rate 6.97% | S&P 500 10.5% Cap 0.10% | Franklin 100% Par Rate 5.42% | MLSB 100% Par Rate 3.33% | PIMCO 75% Par Rate 0.92% | S&P 500 10.5% Cap 0.10% | MLSB 100% Par Rate 3.38% | MLSB 100% Par Rate 8.60% | S&P 500 10.5% Cap 0.10% | Franklin 100% Par Rate 10.41% | PIMCO 75% Par Rate 1.02% | MLSB 100% Par Rate 1.04% | S&P 500 10.5% Cap 0.10% | Franklin 100% Par Rate 0.75% |
The values and returns shown do not directly reflect any specific Index Account within any Index Universal Life policy. The values reflect returns from the retail indices, then modified by fictitious caps, floors and participation rates that aren’t intended to replicate any particular Index Account or Index Universal Life Policy. The equity index accounts provide benefits linked to an external equity index. The equity index account does not participate directly in the equity markets.
Based on the retail indices adjusted for caps, floors, participation rates and AVE bonus interest. Not intended to represent any particular Index UL product or any Index with an IUL product. All results shown are historical results, and none of this data suggests or guarantees similar performance in the future.
AVE Bonus Interest Assumptions: MLSB = .65%; PIMCO = .40%; Franklin = .75%; S&P 500 = .10%
13
For Financial Professional Use Only. Not For Use With Consumers
13
For Financial Professional Use Only. Not For Use With Consumers
The Periodic Table of Indexes (annual returns)�(includes AVE bonus interest in all years)
2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
PIMCO 75% Par Rate 12.62% | PIMCO 75% Par Rate 8.65% | PIMCO 75% Par Rate 15.94% | MLSB 100% Par Rate 11.22% | Franklin 100% Par Rate 0.75% | PIMCO 75% Par Rate 12.76% | MLSB 100% Par Rate 14.04% | MLSB 100% Par Rate 10.82% | S&P 500 10.5% Cap 10.60% | Franklin 100% Par Rate 13.42% | MLSB 100% Par Rate 11.17% | Franklin 100% Par Rate 0.75% | S&P 500 10.5% Cap 9.64% | PIMCO 75% Par Rate 17.76% | Franklin 100% Par Rate 0.75% | MLSB 100% Par Rate 14.83% | MLSB 100% Par Rate 11.17% | S&P 500 10.5% Cap 10.60% | Franklin 100% Par Rate 0.75% | S&P 500 10.5% Cap 10.6% |
S&P 500 10.5% Cap 9.09% | Franklin 100% Par Rate 3.40% | Franklin 100% Par Rate 12.88% | PIMCO 75% Par Rate 7.88% | MLSB 100% Par Rate 0.65% | S&P 500 10.5% Cap 10.60% | S&P 500 10.5% Cap 10.60% | Franklin 100% Par Rate 1.05% | MLSB 100% Par Rate 8.47% | S&P 500 10.5% Cap 10.60% | S&P 500 10.5% Cap 10.60% | MLSB 100% Par Rate 0.65% | Franklin 100% Par Rate 4.96% | Franklin 100% Par Rate 13.22% | MLSB 100% Par Rate 0.65% | PIMCO 75% Par Rate 11.16% | S&P 500 10.5% Cap 10.60% | Franklin 100% Par Rate 9.07% | MLSB 100% Par Rate 0.65% | PIMCO 75% Par Rate 8.65% |
Franklin 100% Par Rate 8.92% | S&P 500 10.5% Cap 3.10% | S&P 500 10.5% Cap 10.60% | Franklin 100% Par Rate 5.22% | PIMCO 75% Par Rate 0.40% | Franklin 100% Par Rate 6.92% | PIMCO 75% Par Rate 9.44% | PIMCO 75% Par Rate 0.92% | PIMCO 75% Par Rate 6.63% | PIMCO 75% Par Rate 9.73% | Franklin 100% Par Rate 5.25% | PIMCO 75% Par Rate 0.40% | PIMCO 75% Par Rate 4.46% | S&P 500 10.5% Cap 10.60% | PIMCO 75% Par Rate 0.40% | S&P 500 10.5% Cap 10.60% | Franklin 100% Par Rate 1.30% | PIMCO 75% Par Rate 4.11% | PIMCO 75% Par Rate 0.40% | MLSB 100% Par Rate 6.94% |
MLSB 100% Par Rate 7.97% | MLSB 100% Par Rate 2.39% | MLSB 100% Par Rate 7.46% | S&P 500 10.5% Cap 3.63% | S&P 500 10.5% Cap 0.10% | MLSB 100% Par Rate 3.57% | Franklin 100% Par Rate 6.97% | S&P 500 10.5% Cap 0.10% | Franklin 100% Par Rate 5.42% | MLSB 100% Par Rate 3.33% | PIMCO 75% Par Rate 0.92% | S&P 500 10.5% Cap 0.10% | MLSB 100% Par Rate 3.38% | MLSB 100% Par Rate 8.60% | S&P 500 10.5% Cap 0.10% | Franklin 100% Par Rate 10.41% | PIMCO 75% Par Rate 1.02% | MLSB 100% Par Rate 1.04% | S&P 500 10.5% Cap 0.10% | Franklin 100% Par Rate 0.75% |
The values and returns shown do not directly reflect any specific Index Account within any Index Universal Life policy. The values reflect returns from the retail indices, then modified by fictitious caps, floors and participation rates that aren’t intended to replicate any particular Index Account or Index Universal Life Policy. The equity index accounts provide benefits linked to an external equity index. The equity index account does not participate directly in the equity markets.
Based on the retail indices adjusted for caps, floors, participation rates and AVE bonus interest. Not intended to represent any particular Index UL product or any Index with an IUL product. All results shown are historical results, and none of this data suggests or guarantees similar performance in the future.
AVE Bonus Interest Assumptions: MLSB = .65%; PIMCO = .40%; Franklin = .75%; S&P 500 = .10%
14
For Financial Professional Use Only. Not For Use With Consumers
14
For Financial Professional Use Only. Not For Use With Consumers
The Periodic Table of Indexes (annual returns)�(includes AVE bonus interest in all years)
2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
PIMCO 75% Par Rate 12.62% | PIMCO 75% Par Rate 8.65% | PIMCO 75% Par Rate 15.94% | MLSB 100% Par Rate 11.22% | Franklin 100% Par Rate 0.75% | PIMCO 75% Par Rate 12.76% | MLSB 100% Par Rate 14.04% | MLSB 100% Par Rate 10.82% | S&P 500 10.5% Cap 10.60% | Franklin 100% Par Rate 13.42% | MLSB 100% Par Rate 11.17% | Franklin 100% Par Rate 0.75% | S&P 500 10.5% Cap 9.64% | PIMCO 75% Par Rate 17.76% | Franklin 100% Par Rate 0.75% | MLSB 100% Par Rate 14.83% | MLSB 100% Par Rate 11.17% | S&P 500 10.5% Cap 10.60% | Franklin 100% Par Rate 0.75% | S&P 500 10.5% Cap 10.6% |
S&P 500 10.5% Cap 9.09% | Franklin 100% Par Rate 3.40% | Franklin 100% Par Rate 12.88% | PIMCO 75% Par Rate 7.88% | MLSB 100% Par Rate 0.65% | S&P 500 10.5% Cap 10.60% | S&P 500 10.5% Cap 10.60% | Franklin 100% Par Rate 1.05% | MLSB 100% Par Rate 8.47% | S&P 500 10.5% Cap 10.60% | S&P 500 10.5% Cap 10.60% | MLSB 100% Par Rate 0.65% | Franklin 100% Par Rate 4.96% | Franklin 100% Par Rate 13.22% | MLSB 100% Par Rate 0.65% | PIMCO 75% Par Rate 11.16% | S&P 500 10.5% Cap 10.60% | Franklin 100% Par Rate 9.07% | MLSB 100% Par Rate 0.65% | PIMCO 75% Par Rate 8.65% |
Franklin 100% Par Rate 8.92% | S&P 500 10.5% Cap 3.10% | S&P 500 10.5% Cap 10.60% | Franklin 100% Par Rate 5.22% | PIMCO 75% Par Rate 0.40% | Franklin 100% Par Rate 6.92% | PIMCO 75% Par Rate 9.44% | PIMCO 75% Par Rate 0.92% | PIMCO 75% Par Rate 6.63% | PIMCO 75% Par Rate 9.73% | Franklin 100% Par Rate 5.25% | PIMCO 75% Par Rate 0.40% | PIMCO 75% Par Rate 4.46% | S&P 500 10.5% Cap 10.60% | PIMCO 75% Par Rate 0.40% | S&P 500 10.5% Cap 10.60% | Franklin 100% Par Rate 1.30% | PIMCO 75% Par Rate 4.11% | PIMCO 75% Par Rate 0.40% | MLSB 100% Par Rate 6.94% |
MLSB 100% Par Rate 7.97% | MLSB 100% Par Rate 2.39% | MLSB 100% Par Rate 7.46% | S&P 500 10.5% Cap 3.63% | S&P 500 10.5% Cap 0.10% | MLSB 100% Par Rate 3.57% | Franklin 100% Par Rate 6.97% | S&P 500 10.5% Cap 0.10% | Franklin 100% Par Rate 5.42% | MLSB 100% Par Rate 3.33% | PIMCO 75% Par Rate 0.92% | S&P 500 10.5% Cap 0.10% | MLSB 100% Par Rate 3.38% | MLSB 100% Par Rate 8.60% | S&P 500 10.5% Cap 0.10% | Franklin 100% Par Rate 10.41% | PIMCO 75% Par Rate 1.02% | MLSB 100% Par Rate 1.04% | S&P 500 10.5% Cap 0.10% | Franklin 100% Par Rate 0.75% |
The values and returns shown do not directly reflect any specific Index Account within any Index Universal Life policy. The values reflect returns from the retail indices, then modified by fictitious caps, floors and participation rates that aren’t intended to replicate any particular Index Account or Index Universal Life Policy. The equity index accounts provide benefits linked to an external equity index. The equity index account does not participate directly in the equity markets.
Based on the retail indices adjusted for caps, floors, participation rates and AVE bonus interest. Not intended to represent any particular Index UL product or any Index with an IUL product. All results shown are historical results, and none of this data suggests or guarantees similar performance in the future.
AVE Bonus Interest Assumptions: MLSB = .65%; PIMCO = .40%; Franklin = .75%; S&P 500 = .10%
15
For Financial Professional Use Only. Not For Use With Consumers
15
For Financial Professional Use Only. Not For Use With Consumers
The Periodic Table of Indexes (annual returns)�(includes AVE bonus interest in all years)
The values and returns shown do not directly reflect any specific Index Account within any Index Universal Life policy. The values reflect returns from the retail indices, then modified by fictitious caps, floors and participation rates that aren’t intended to replicate any particular Index Account or Index Universal Life Policy. The equity index accounts provide benefits linked to an external equity index. The equity index account does not participate directly in the equity markets.
Based on the retail indices adjusted for caps, floors, participation rates and AVE bonus interest. Not intended to represent any particular Index UL product or any Index with an IUL product. All results shown are historical results, and none of this data suggests or guarantees similar performance in the future.
AVE Bonus Interest Assumptions: MLSB = .65%; PIMCO = .40%; Franklin = .75%; S&P 500 = .10%
What does this tell you?
2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
PIMCO 75% Par Rate 12.62% | PIMCO 75% Par Rate 8.65% | PIMCO 75% Par Rate 15.94% | MLSB 100% Par Rate 11.22% | Franklin 100% Par Rate 0.75% | PIMCO 75% Par Rate 12.76% | MLSB 100% Par Rate 14.04% | MLSB 100% Par Rate 10.82% | S&P 500 10.5% Cap 10.60% | Franklin 100% Par Rate 13.42% | MLSB 100% Par Rate 11.17% | Franklin 100% Par Rate 0.75% | S&P 500 10.5% Cap 9.64% | PIMCO 75% Par Rate 17.76% | Franklin 100% Par Rate 0.75% | MLSB 100% Par Rate 14.83% | MLSB 100% Par Rate 11.17% | S&P 500 10.5% Cap 10.60% | Franklin 100% Par Rate 0.75% | S&P 500 10.5% Cap 10.6% |
S&P 500 10.5% Cap 9.09% | Franklin 100% Par Rate 3.40% | Franklin 100% Par Rate 12.88% | PIMCO 75% Par Rate 7.88% | MLSB 100% Par Rate 0.65% | S&P 500 10.5% Cap 10.60% | S&P 500 10.5% Cap 10.60% | Franklin 100% Par Rate 1.05% | MLSB 100% Par Rate 8.47% | S&P 500 10.5% Cap 10.60% | S&P 500 10.5% Cap 10.60% | MLSB 100% Par Rate 0.65% | Franklin 100% Par Rate 4.96% | Franklin 100% Par Rate 13.22% | MLSB 100% Par Rate 0.65% | PIMCO 75% Par Rate 11.16% | S&P 500 10.5% Cap 10.60% | Franklin 100% Par Rate 9.07% | MLSB 100% Par Rate 0.65% | PIMCO 75% Par Rate 8.65% |
Franklin 100% Par Rate 8.92% | S&P 500 10.5% Cap 3.10% | S&P 500 10.5% Cap 10.60% | Franklin 100% Par Rate 5.22% | PIMCO 75% Par Rate 0.40% | Franklin 100% Par Rate 6.92% | PIMCO 75% Par Rate 9.44% | PIMCO 75% Par Rate 0.92% | PIMCO 75% Par Rate 6.63% | PIMCO 75% Par Rate 9.73% | Franklin 100% Par Rate 5.25% | PIMCO 75% Par Rate 0.40% | PIMCO 75% Par Rate 4.46% | S&P 500 10.5% Cap 10.60% | PIMCO 75% Par Rate 0.40% | S&P 500 10.5% Cap 10.60% | Franklin 100% Par Rate 1.30% | PIMCO 75% Par Rate 4.11% | PIMCO 75% Par Rate 0.40% | MLSB 100% Par Rate 6.94% |
MLSB 100% Par Rate 7.97% | MLSB 100% Par Rate 2.39% | MLSB 100% Par Rate 7.46% | S&P 500 10.5% Cap 3.63% | S&P 500 10.5% Cap 0.10% | MLSB 100% Par Rate 3.57% | Franklin 100% Par Rate 6.97% | S&P 500 10.5% Cap 0.10% | Franklin 100% Par Rate 5.42% | MLSB 100% Par Rate 3.33% | PIMCO 75% Par Rate 0.92% | S&P 500 10.5% Cap 0.10% | MLSB 100% Par Rate 3.38% | MLSB 100% Par Rate 8.60% | S&P 500 10.5% Cap 0.10% | Franklin 100% Par Rate 10.41% | PIMCO 75% Par Rate 1.02% | MLSB 100% Par Rate 1.04% | S&P 500 10.5% Cap 0.10% | Franklin 100% Par Rate 0.75% |
16
For Financial Professional Use Only. Not For Use With Consumers
16
For Financial Professional Use Only. Not For Use With Consumers
Are We Seeing�The Volatility�In IUL Indices?
17
For Financial Professional Use Only. Not For Use With Consumers
17
For Financial Professional Use Only. Not For Use With Consumers
The Periodic Table of Indexes (annual returns)�(includes AVE bonus interest in all years)
Based on the retail indices, adjusted for caps, floors and participation rates. Not intended to represent any particular Index UL product or any Index within an IUL product. All results shown are historical results, and none of this data suggests or guarantees similar performance in the future.
Do you notice any volatility?
18
For Financial Professional Use Only. Not For Use With Consumers
18
For Financial Professional Use Only. Not For Use With Consumers
The Periodic Table of Indexes (annual returns)�(includes AVE bonus interest in all years)
Based on the retail indices, adjusted for caps, floors and participation rates. Not intended to represent any particular Index UL product or any Index within an IUL product. All results shown are historical results, and none of this data suggests or guarantees similar performance in the future.
Compare the actual volatility to what you illustrate!
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For Financial Professional Use Only. Not For Use With Consumers
19
For Financial Professional Use Only. Not For Use With Consumers
Important Notes
This information is general in nature, was developed for educational use only, and is not intended to provide financial, legal, fiduciary, accounting or tax advice, nor is it intended to make any recommendations.
Please understand that this presentation is not suggesting that diversifying a client’s premiums and cash values equally across four indices is the correct approach for any particular situation. Every client situation is unique and needs to be evaluated independently.
The illustration of equally dividing the premiums and cash values equally across four indices should not be deemed to be investment advice. However, as an agent or advisor, you might want to consider the potential benefits of diversifying client’s assets into more than one index.
20
For Financial Professional Use Only. Not For Use With Consumers
20
For Financial Professional Use Only. Not For Use With Consumers
The Periodic Table of Indexes: Annual Contributions�Annual Contributions of $10,000�(includes AVE bonus interest beginning in year 6)
This is not an actual case and is for hypothetical purposes only. Based on the retail indices, adjusted for caps, floors and participation rates.
Not intended to represent any particular Index UL product or any Index within an IUL product.
All results shown are historical results, and none of this data suggests or guarantees similar performance in the future.
6% = $423,900
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For Financial Professional Use Only. Not For Use With Consumers
21
For Financial Professional Use Only. Not For Use With Consumers
The Periodic Table of Indexes: Annual Distributions�Initial Value: $1,000,000; Annual Distributions: $85,000�(includes AVE bonus interest beginning in year 6)
This is not an actual case and is for hypothetical purposes only. Based on the retail indices, adjusted for caps, floors and participation rates.
Not intended to represent any particular Index UL product or any Index within an IUL product.
All results shown are historical results, and none of this data suggests or guarantees similar performance in the future.
6% = $135,300
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For Financial Professional Use Only. Not For Use With Consumers
22
For Financial Professional Use Only. Not For Use With Consumers
What About Diversification�Within An IUL Policy?
23
For Financial Professional Use Only. Not For Use With Consumers
23
For Financial Professional Use Only. Not For Use With Consumers
The Periodic Table of Indexes (annual returns)�(includes AVE bonus interest in all years)
Based on the retail indices, adjusted for caps, floors and participation rates. Not intended to represent any particular Index UL product or any Index within an IUL product. All results shown are historical results, and none of this data suggests or guarantees similar performance in the future.
What If We Take These
Four Index Accounts…
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For Financial Professional Use Only. Not For Use With Consumers
24
For Financial Professional Use Only. Not For Use With Consumers
The Periodic Table of Indexes (annual returns)�(includes AVE bonus interest in all years)
Based on the retail indices, adjusted for caps, floors and participation rates. Not intended to represent any particular Index UL product or any Index within an IUL product. All results shown are historical results, and none of this data suggests or guarantees similar performance in the future.
And We Blend Them
1/4 – 1/4 – 1/4 – 1/4
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For Financial Professional Use Only. Not For Use With Consumers
25
For Financial Professional Use Only. Not For Use With Consumers
The Periodic Table of Indexes (annual returns)�(includes AVE bonus interest in all years)
Based on the retail indices, adjusted for caps, floors and participation rates. Not intended to represent any particular Index UL product or any Index within an IUL product. All results shown are historical results, and none of this data suggests or guarantees similar performance in the future.
And We Blend Them
1/4 – 1/4 – 1/4 – 1/4
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For Financial Professional Use Only. Not For Use With Consumers
26
For Financial Professional Use Only. Not For Use With Consumers
The Periodic Table of Indexes: Annual Contributions�Annual Contributions of $10,000�(includes AVE bonus interest beginning in year 6)
This is not an actual case and is for hypothetical purposes only. Based on the retail indices, adjusted for caps, floors and participation rates.
Not intended to represent any particular Index UL product or any Index within an IUL product.
All results shown are historical results, and none of this data suggests or guarantees similar performance in the future.
6% = $423,900
27
For Financial Professional Use Only. Not For Use With Consumers
27
For Financial Professional Use Only. Not For Use With Consumers
The Periodic Table of Indexes: Annual Distributions�Initial Value: $1,000,000; Annual Distributions: $85,000�(includes AVE bonus interest beginning in year 6)
This is not an actual case and is for hypothetical purposes only. Based on the retail indices, adjusted for caps, floors and participation rates.
Not intended to represent any particular Index UL product or any Index within an IUL product.
All results shown are historical results, and none of this data suggests or guarantees similar performance in the future.
6% = $135,300
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For Financial Professional Use Only. Not For Use With Consumers
28
For Financial Professional Use Only. Not For Use With Consumers
The Point Is:�Consider Diversification�Within An IUL Policy
29
For Financial Professional Use Only. Not For Use With Consumers
29
For Financial Professional Use Only. Not For Use With Consumers
Next Time You Illustrate�A Rate Of Return Like This…
This is not an actual case and is for hypothetical purposes only. Based on the retail indices, adjusted for caps, floors and participation rates.
Not intended to represent any particular Index UL product or any Index within an IUL product.
All results shown are historical results, and none of this data suggests or guarantees similar performance in the future.
30
For Financial Professional Use Only. Not For Use With Consumers
30
For Financial Professional Use Only. Not For Use With Consumers
Remember That Your Client's�Actual Return Will Look More Like This…
This is not an actual case and is for hypothetical purposes only. Based on the retail indices, adjusted for caps, floors and participation rates.
Not intended to represent any particular Index UL product or any Index within an IUL product.
All results shown are historical results, and none of this data suggests or guarantees similar performance in the future.
31
For Financial Professional Use Only. Not For Use With Consumers
31
For Financial Professional Use Only. Not For Use With Consumers
The Periodic Table Of Investments and Life Insurance
For Financial Professional Use Only. Not For Use With Consumers.
Policies issued by American General Life Insurance Company (AGL), Houston, TX and by
The United States Life Insurance Company in the state of New York (US Life), members of Corebridge Financial
AGLC200941REV1024; Red Oak 3966700
32
For Financial Professional Use Only. Not For Use With Consumers
32
For Financial Professional Use Only. Not For Use With Consumers
Cover Slide
33
For Financial Professional Use Only. Not For Use With Consumers