If you like policies that are simple, low-cost and illustrate well, then you're going to love Income Advantage IUL. Income Advantage delivers solid, consistent and easily explainable performance starting almost right away. Contrast that to most modern accumulation IUL policies, where the client pays egregiously high policy charges today in exchange for benefits that start 10+ years from now. It takes a very, very long time (25+ years, sometimes) for the crop of high charge, high illustrated benefit Indexed UL products to deliver better performance than Income Advantage.