Product Audit: Evolve 14 — Is the Top Cap Rate Worth It?

Evolve 14 from SILAC Insurance Company currently leads with a 9.75% cap rate. But is the headline number the whole story? What we're auditing: 1. ✅ Cap rate: 9.75% — top of market 2. 🔍 Which index strategy gets that cap? 3. 🔍 Surrender schedule length and penalties 4. 🔍 Free withdrawal provisions 5. 🔍 Income rider availability and cost 6. 🔍 Carrier financial strength: AM Best NR The audit question: A high cap rate on a monthly point-to-point strategy with an obscure index isn't the same as a high cap on an annual S&P 500 point-to-point. The devil is in the strategy details. Use the AdvisorWorld product detail page to see the full strategy breakdown, surrender schedule, and carrier ratings for this product. Have you placed business with this product? Share your experience.