Why Zero Is Not a Bad Year (The Power of Floor Protection)

Ajouté : 2026-05-21

[00:00:00]Zero is not a bad year. [music] In an IUL, when the market goes down, you do not lose money because of the index.

[00:00:05]Your credited rate can go to zero, but it does not go negative due to market performance. [music] Now, I know what people say. They say, "Well, there are fees. There are costs. It's not really [music] a zero." And yes, permanent insurance has internal costs, cost of insurance, administrative charges. That is not a secret. But here is the distinction. [music] Market loss is different from internal structure costs.

[00:00:26]If your portfolio drops 20%, you're now recovering from a hole. If your index credits zero, you're not recovering from a negative market [music] year. You are stabilizing. There is a difference between absorbing volatility and compounding from stability. [music] Over time, avoiding large losses changes the trajectory. It is not about winning every year. It is about not losing [music] big years. That difference compounds quietly. If you want to see how that plays out long term, comment [music] more info below.