Hey everyone — I wanted to share a snapshot of how my UL policy has performed over the past 8 years to get some thoughts from the community. I’ve been paying $200/month since April 2017, totaling $19,200 in contributions so far.

Premiums Paid: $19,200 (over 8 years) Cash Value: $17,117.69 Death Benefit: $122,756 (Level DB) Risk Class: Standard Non-Smoker Policy Design: Universal Life, 100% Indexed allocation, Level Death Benefit Guaranteed Value At Age 80: $3,444 Non-Guaranteed Values Project to: Age 121

One Thing That’s Confusing…

Since my policy is fully allocated to indexed accounts, I expected it to perform reasonably well—especially considering the strong stock market over the past 8 years. This gap suggests something might be dragging down performance, whether it’s cap rates, participation rates, internal fees, or other structural issues.

What I’m Looking For

I'd love to hear from others with UL experience:

Does this gap seem normal for a policy like this? Should I be concerned, or is it too early to judge? Any strategies to improve performance or things I should double-check with the insurer?

Appreciate any insights you can share!

submitted by /u/Numerous_Ruin_4947
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