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Depends on the indexing strategy! The Excel IUL has a pretty competitive strategy, actually. Check out the attached illustration, and read the first three pages carefully. They will answer your question and give you a good deal of insight into how the policy works.
(This was just run using the default values; I didn't do anything special here. The software automatically defaults to putting 100% of allocations into the capped account and I didn't change it.
(This was just run using the default values; I didn't do anything special here. The software automatically defaults to putting 100% of allocations into the capped account and I didn't change it.