PacLife PDX and John Hancock AIUL18 represent two different philosophies on how to deliver leverage to clients. PDX does it through the Performance Factor, part of which is funded by fixed policy charges. AIUL18 funds its constant 55% bonus through a 2% asset charge. Each has its merits. With real-world return scenarios, AIUL18 performs very similarly to products without indexed interest bonuses, but with more leverage and risk.