Symetra has been a bold newcomer to the independent space with highly competitive Guaranteed UL products and, now, an aggressive Indexed UL product in Accumulator IUL 1.0. In keeping with Symetra's general modus operandi of buying market share (presumably at the expense of profitability), Accumulator IUL sports a 12% cap, 115% bonus and industry average policy charges. No surprise, then, that it illustrates quite well. Will it hold up over the long run? I doubt it.