Voya's Index Credit Accumulation Rider (ICAR) isn't just another charge-funded multiplier - it represents a new technology in the Indexed UL space that other life insurers will undoubtedly adopt. Rather than using the account value for the basis of charges and credits, ICAR uses what Voya calls Total Net Index Credits, or TNIC. TNIC grows and shrinks with performance and so does the leverage from the charges and multipliers within ICAR.