Uncapped – 65% participation rate: Securian, S&P 500 Low Volatility “Eclipse Accumulator IUL” “Eclipse Protector II IUL” Uncapped – 50% participation rate: United of Omaha “Income Advantage” Uncapped – 8.00% Index Spread Rate: American National “Signature Performance IUL” Uncapped – 9.00% Index Spread Rate: American National “Signature Protection IUL” Uncapped – 11.00% Index Spread Rate: Prudential, “PruLife® Index Advantage UL (2020)” Uncapped – 10.00% threshold rate, Pacific Life “Pacific Discovery Xelerator IUL 2” Uncapped – 5.00% Index Spread Rate: Symetra “Symetra Accumulator Ascent IUL”, “Protector IUL” (effective May 15, 2023) Uncapped -10.00% Index Spread Rate, Nationwide: “Nationwide Indexed UL Accumulator II 2020”, “Nationwide Indexed UL Protector II 2020” ( all states, except NY) Uncapped – 200% participation rate: Securian S&P PRISM(SM) “Eclipse Accumulator IUL” Uncapped – 200% participation rate: Transamerica “Transamerica Financial Choice IUL” : Fidelity Small-Mid Multifactor Index(SM) Account

Highest IUL Cap Rates: S & P 500 Index One-Year Point-to-Point (except New York: see below)

The cap rate is non-guaranteed and can be changed at the company’s discretion. An Indexed Universal Life (IUL) minimum credited rate will never be less than 0% interest even if the segment growth rate was negative. For example, if a policy the underlying segment growth rate is 13% and the cap rate is 10%, the policy will receive a credit based on the cap rate of 10%.

Also best par rates Indexed Universal Life (IUL) current Cap Rates Cap rate: The maximum growth rate percentage of interest credited to a policy regardless how well the index performs.

Penn mutual accumulation builder cap