IUL Accumulation II vs Accumulation Builder Flex IUL

In-depth feature comparison to help you choose the right policy

📊 Cap Rates & Floor Rates
Rate Type
Principal Financial Group
IUL Accumulation II
Penn Mutual Life Insurance Company
Accumulation Builder Flex IUL
Current Cap Rate Varies by index Varies by index
Floor Rate 0% 0%
Participation Rate Varies by index Varies by index
🎯 Riders (Options & Crediting)
Available Riders IUL Accumulation II Accumulation Builder Flex IUL
Index Options
  • S&P 500
  • Multiple strategies
  • S&P 500
  • Multiple index strategies
Available Riders Contact for details Contact for details
🏥 Health Benefits & Riders
Benefit Type IUL Accumulation II Accumulation Builder Flex IUL
Living Benefits ✓ Available (contact for details) ✓ Available (contact for details)
Death Benefit Options Level Death Benefit, Increasing Death Benefit Level Death Benefit, Increasing Death Benefit
💰 Fees & Charges
Fee Type IUL Accumulation II Accumulation Builder Flex IUL
Cost of Insurance Moderate Moderate
Premium Load Standard Standard
Surrender Charges Varies by policy year Varies by policy year
⭐ Key Features & Differentiators
Feature IUL Accumulation II Accumulation Builder Flex IUL
Minimum Premium $5,000 annual $3,600 annual
Issue Ages 0-85 0-80
Unique Features
  • Enhanced caps January 2024
  • $629B+ AUM
  • Serves 17 million
  • 175+ year mutual company history
  • Record $265 million dividends (2025)
  • Contractually locked 6% policy loan rate
  • Guaranteed 1% minimum interest growth
  • Comdex 92
View Full Details → View Full Details →

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