Prudential has been trying to make a run at the Indexed UL space since 2011, but with little success. Index Advantage UL 2018 brings a host of changes that put Prudential's offering more in line with the market. Prudential reworked the geography of the charges and indexed options so that IAUL 2018 is a slight improvement over its predecessor, but also introduced the Premium Credit (or +20 Bonus in Pru marketing materials) that is a currently guaranteed 20% bonus on indexed interest if the policy meets a certain funding requirement.