Life Insurance Exam [National] 36 – Indexed Universal Life Insurance Explained

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Exam real estate exam. In this episode you will learn: • The distinction between market-linked interest crediting and direct market investment in IUL policies. • How floors and caps function together to protect principal while limiting maximum upside potential. • The calculation methods for interest including the application of participation rates. • Why IUL requires only a life insurance license and avoids the securities licensing required for variable products. • The transparency and flexibility features inherent in the Universal Life structure of the policy. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep