It was only a matter of time before a real challenger to PDX emerged with a new spin on the charge-funded bonus that PDX introduced. As it turns out, two challengers emerged on the same day - Lincoln WealthAccumulate IUL and John Hancock Accumulation IUL 18. Both are nearly carbon copies of their predecessor products, but both now sport a indexed interest bonus, 32% and 55% respectively, funded by an asset-based charge. Lincoln offers the bonus in just one of three account options while John Hancock builds it into all of their indexed accounts.