Rethink life insurance. See how index crediting on an indexed universal life policy works. | National Life Group
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Mutual Funds, Life Insurance, and Annuities all use index crediting methods but not in the same way... #lifeinsurancesavesthebay #baylife | Bay Life Brokerage
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Replying to @tj77350 There are usually two types of loans offered on indexed universal life insurance plans, a standard loan or participating loan. With a participating loan, your cash value backing up the loan continues to earn compound interest from the index crediting. The interest rate is a bit higher than the standard loan, but there's potential to earn a positive spread. Say you have $50,000 of cash value and borrow $30,000. The insurance company would charge around 5% in the loan today. B
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