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hi this is nash with alpha phi and today i wanted to share the index feature which is a essentially a writer that is an alternate alternative to an iul so if the last couple of videos have on iuls have actually not steered you away and youre still interested in that potential upside another thing to be aware of is the index feature which is essentially a rider thats available with some whole life companies that allows you to participate in the upside of the iuls without some of the increasing costs so why is this nice compared to an iul its applied to a whole life policy means still strong guaranteed rate to return so your money will always grow and your policy doesnt implode or or lapse based on just the performance of the index and those costs and ill show you that basically the guarantees are literally the worst that this could do while still in while still participating in a s p index so this isnt an iul means its not going to have those increasing costs we looked at in t