Cap watchAllianz Life Accumulator, S&P 500 annual point-to-point cap 12.25%, sheet dated November 3, 2026
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InsureIUL

Editorial standards

The rules every page, rate row and case entry on this site follows.

Updated 10 Nov 2026

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Writing and review

Pages are written by the InsureIUL editorial desk and reviewed by a licensed agent before they publish. We write as an agency. You will not find a salesperson's name or photo here.

The IUL ground rules

Every page about a policy follows five rules, and the template prints them near the top of each guide.

  1. IUL is life insurance first. It is not an investment, a retirement account or a substitute for one.
  2. Caps, spreads and participation rates are set by the insurer and can change, within the guaranteed limits the contract states.
  3. A 0% floor protects the credit, not the account. Policy charges still come out in a year credited 0%.
  4. Policy loans build interest. A loan that grows past what the policy can carry can make it lapse, and a lapse with a loan can leave a tax bill.
  5. An illustration is a projection, not a guarantee, and the AG 49-A guideline limits what it may show.

When a page describes a specific policy, it names the insurer that issues it.

Sources

  • Every specific fact, such as a rate, a charge, a date, a rule or a court outcome, comes from a source we opened, listed at the end of the page with its publisher, title and date.
  • Rates come only from documents an insurer publishes for consumers, such as rate guides and brochures, or from public trade press. We do not use sheets marked for agents, producers or financial professionals only, or broker rate sheets.
  • Case facts come from trade press and consumer news reports. A claim made in a complaint is labeled as an allegation.
  • We do not open court or agency websites hosted by the government. We rely on reputable outlets that report on them.

Dates on every number

Every rate row shows the date printed on the insurer's sheet and the day we opened it. A row older than 90 days is tagged so you can see it may have changed. Any figure the insurer can change carries a red asterisk.

Projections and calculators

A projection on this site is shown at more than one rate, with its assumptions beside it. Calculators say what they compute and what they cannot, and they run in your browser. Teaching charts say they are teaching charts and use no invented market history.

What we leave out

  • Star ratings, testimonials, award badges and best-of lists without a published method.
  • Any claim that a policy is safe from losing value, works as a retirement account or pays a set return.
  • Any suggestion that an insurer works with us or paid to be named.

Pages that touch taxes, estates, business plans or lawsuits are general information. They are not tax, legal or investment advice. Where it matters we say to ask a tax professional or an attorney.

Corrections

If a page or a rate row is wrong, call (305) 699-5857 and name the page. We fix it, change the updated date and keep the corrected version in place.

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Talk to a licensed agent about IUL

Spot something out of date? Ask an agent to check it

  • Illustrations from more than one insurer.
  • Each run at the insurer's illustrated rate and at a lower rate.
  • Nothing is bought on the call. You decide.

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