Indexes do not have sales charges and it is not possible to invest directly in an index. During that time, the average investor, however, earned only 3.51% while the average market timer lost 3.29%.2 1The S&P 500 Index is an unmanaged index of common stock performance, considered to be representative of the stock market in general. S&P 500 Index vs.Other Indices Historical Ĭonsider This… Between 19, the S&P 500 Index1 grew by 12.98%. Penn Mutual’s IUL Interest Crediting Approach.Represents a little less than 10% of all UL sales.The growth of indexed annuities have helped sales of indexed life products grow in recent years.More than 20 companies now offer IUL products.Industry first introduced Indexed UL in 1997.

Not to be Used with Existing or Prospective Customers. Accumulation Builder IUL Sales Ideas Larry FoutsRegional Life Specialist Penn Mutual Life Insurance Company 600 Dresher Road, Horsham, PA 19044 All guarantees are based on the claims paying ability of the issuer.