Due to ongoing volatility in the capital markets, it has become necessary to reduce cap rates and participation rates on some of the accounts within our Indexed Universal Life (IUL) product portfolio. These changes will take effect for all premium received and new indexed segments created after Friday, July 15, 2022. All premium received on or before July 15 for approved and existing policies will have current rates applied. Illustrations will be updated July 16, 2022. Read More.