Real IUL results ending February 2025 for small ($3k–$10k) and large (~$1M) policies. See how caps, participation/high-par indices, and multipliers (with fees) shaped credits from ~5–12% to ~17–33% on 1- and 2-year links. Doug Andrew explains diversification, general account vs indexed, and why annual reviews matter. Historical examples; no guarantees. 00:00:00 – Understanding IUL Policies…