The accumulation value is what your IUL policy grows and earns interest on, while the surrender value is slightly lower during early years due to fees and charges.
If your goal is long-term, like retirement 5+ years down the road, focus on what the policy will generate when you need the money most—not on short-term growth.
By year 10–15, surrender and accumulation values usually equalize. Unless you plan to cancel early, this is one of the most cost-effective ways to achieve your long-term financial goals.
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