Yes you can absolutely have periods of superior performance investing your money in the stock market. But it is critical to understand that we do not offer IUL as a complete stock market alternative, we offer it as an alternative for safe investments. We do compare IUL performance to stock market performance because IUL historically performs within 1% to 1.5% of the market, and we typically use a 7.5% illustration rate for the IUL policies that we issue. The appropriate evaluation of IUL is not against stock market investments but rather today's current safe investments such as CDs, Money Market Funds, Municipal Bonds, US Savings bonds etc.