Universal life and indexed universal life issues Carl A. Friedrich | Susan J. Saip http://publications.milliman.com/research/life-rr/pdfs/univeral-life-indexed-2012.pdf Fifth annual survey addressing UL and IUL life insurance market issues. Milliman conducted its fifth annual comprehensive survey of universal life (UL) and indexed universal life (IUL) issues in 2011. The survey includes responses from 31 companies.An order form for the full detailed report is available in the Downloads section of this page.DOWNLOADSDownload the executive summary