In this whitepaper Daen Wombwell, the CEO of NIW, dives deep into how IULs work and analyzes the performance of Index Universal Life products over an extended period of time.   Because NIW bears a 15-25 year servicing commitment, Daen is very knowledgeable about the numerous factors that play into the inner workings of these products.   In, "How Index Universal Life Works - Setting the Record Straight," Daen starts out by addressing the fundamental differences between an Index Universal Life product and a Universal Life product.  Then, he uses numbers to better illustrate these differences.   He goes on to address a wide range of Index Universal Life factors, from returns to carriers, caps, and financing.  Download the link below if you are interested in learning more about the fascinating world of Index Universal Life products.