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Recently two carriers, North American and Protective Life, Announced decreased cap rates for their newly issued and in-force blocks of IUL products. This repricing of options reduces the index cap rate, and the maximum illustrated rate for index segments that are initiated or renew in 2018.

Indexed Universal Life cap and participation rates are determined by the carrier's options budget and the cost of options as determined by the options provider. These rates can be counterintuitive in a rising equities market where interest rates continue to moderate to the low side or fall.

We may be seeing the tip of the iceberg. Protective and North American are two conservative companies that tend to t...

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