Gross return is generally a term for Variable Universal Life insurance, a gross return is the long-term average return assumed to be earned before deducting the management fees and other expenses described in the prospectus.

Variable Universal Life Insurance Illustrations almost always assume a gross return, not to exceed the regulatory maximum of 12%. Annual fees can range from 0.25 percent to more than 2.0 percent of the account value. Also called the Gross Rate.

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