Between 2011 and 2024, the number of companies selling index universal life insurance grew from 14 to over 70, a 5x increase that created supply-demand imbalance in the options market, driving up options costs and forcing insurance companies to develop proprietary engineered indexes to manage costs.
causalpending
Speaker
ChrisEvidence Quote
“back in 2011 there were 14 companies selling iul right now in 2024 there are 70 plus companies selling ilul... as the companies started to scale and you had more companies selling iuls what had to happen is the options cost... the supply was pretty fixed we had more people coming in so the demand went up and so therefore the cost went through the roof”
Created: 8/13/2026, 9:45:45 AM
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