#102 | JH AIUL18 / Lincoln WAIUL – Part 3 – The Real World

Even though the John Hancock, Lincoln and PacLife products illustrate similarly, they're built very differently - and that has major implications for how they'll compare to each other over time. John Hancock's guaranteed 55% bonus will cost more than 2% if the option budget increases (and vice versa if it falls), which will lead to a consistent and structural difference between the caps in AIUL18 and competitor products.