In the context of Variable Universal Life insurance, the gross return refers to the long-term average return that is assumed to be earned on an investment before deducting management fees and other expenses outlined in the prospectus.

When it comes to Variable Universal Life Insurance Illustrations, the gross return is commonly used and typically capped at the regulatory maximum of 12%. These illustrations provide a projection of the policy's performance and potential growth. However, it's important to note that the actual returns can vary due to factors such as market conditions and fees.

Annual fees associated with Variable Universal Life insurance can range from 0.25 percent to over 2.0 percent of the account value. These fees cover various expenses related to managing the policy and may impact the net return that policyholders ultimately receive.

The term "gross rate" is another name for the gross return, representing the assumed average return before factoring in deductions for fees and expenses. It serves as an important consideration for individuals evaluating Variable Universal Life insurance policies and understanding the potential returns they may expect.

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