This Insurance Company Is Looking Out for You
What if your properly structured, maximum-funded Indexed Universal Life (what we call an IUL LASER Fund) could more than double the regular rate credited in a given period?
There’s an insurance carrier you can partner with that makes that kind of growth possible, with multipliers.
The Power of Multipliers
Multipliers are a feature you can add to your policy that can supercharge your returns.
To picture the impact…for the sake of simplicity, let’s say you have a $100,000 cash value in your policy. Your entire cash value is allocated to an S&P 500 two-year point-to-point index account, with a 24% cap and a 2.36 multiplier, and a charge for a multiplier options budget of 7.5% per year.
From June 2023 to June 2025, for example, that index strategy saw a gross return of 56.64% and a net return of 41.64% (after the multiplier options budget).
Your account would have grown by 41.64% by the end of that maturity period. Your gains would have locked in and reset, and your cash value would go to work again for the next two-year period.
(Keep in mind that during market downturns, your policy will still be charged the multiplier options budget. So let’s say the two-year period dropped 30% instead. Your cash value would be protected by your 0% guaranteed floor, but your policy would incur a 7.5% charge per year, along with other policy fees.)
Now what kind of impact can a multiplier make?
Over the last 20 years, this same two-year account index would have averaged 7.57% without the multiplier, but with the multiplier, it would have averaged 10.28% (net of the multiplier options budget charge).
The difference? At the end of that 20-year period, you would have twice as much money with the multiplier than without it.
Leading the Pack
Pacific Life is an IUL industry leader in offering multipliers and other innovative features.
Known for its longstanding integrity, the insurance carrier has been serving its customers since 1868, working with over 1 million members nationwide and nearly $240 billion in assets.
“Pacific Life has been a reliable partner for our clients since the company started offering IUL in 2005,” says Aaron Andrew, LASER Financial IUL specialist.
“Out of around 85 legal reserve insurance companies, they are No. 1 in IUL sales. As a mutual holding company, they’re not beholden to stockholders when making decisions. Because they are owned by the policyholders, they can prioritize what’s best for their policyholders. They’re known for their excellent customer service, earning several DALBAR Service awards and a COMDEX rating of 94 out of 100.”
There are other carriers we value working with, but Pacific Life is definitely among the top companies we recommend, particularly for the way they do everything they can for our clients.
> If you’re considering a new or additional IUL LASER Fund, connect with a Certified IUL Professional who can help you take advantage of carriers and features that are best for you. Click here
> Read this article in the Winter 2026 digital issue of “3 Dimensional Wealth Living” magazine. Click here
