IUL Lock-In & Reset Analyzer v3.1

IUL Lock-In
and Reset

Market Returns Lock-In & Reset Cap & Floor
TriQuest Agent Tool
1. Historical Period & Crediting Assumptions
2. Lock-In & Reset — Year-by-Year Demonstration
MARKET ACCOUNT
Full S&P price gain or loss
$100,000
Starting Value
Value can rise or fall with the selected year's index movement.
Start
S&P 500 PRICE RETURN
—
Starting Values
Select Next or Auto Play to begin the comparison.
Start 0 of 0
On the IUL side, positive index movement is subject to the participation rate and cap. Negative index movement is limited by the selected floor. Each credited result becomes the new starting value for the next annual period.
INDEXED UNIVERSAL LIFE
Cap + floor + annual lock-in/reset
LOCKED
$100,000
Starting Value
Prior credited gains remain in the starting value for the next period.
3. See the Result
Market Ending Value
$0
IUL Ending Value
$0
Ending Difference
$0
Selected Period
—
Growth of $100,000 — Market vs. IUL Crediting
Same historical S&P price movement • Different crediting methods
Market Account Indexed Universal Life
4. Year-by-Year Comparison Ledger
Year S&P Price Return Market Beginning Value Market Ending Value IUL Beginning Value IUL Credited Rate IUL Ending Value Crediting Result
Educational comparison only. This tool demonstrates how the same annual S&P 500 price-index movement can produce different accumulation patterns when one side receives the full index change and the other applies an annual participation rate, cap and floor. It is not an insurance illustration and does not include policy charges, cost of insurance, expenses, loans, dividends, bonuses, or other policy features.