What Is Global Index Universal Life Insurance? 
Global index universal life is generally defined by the use and performance of multiple indexes , domestic and foreign , within a current assumption universal life policy . The crediting period may vary from one to five years . As a three index example : the best performance of the top two indexes are credited to the account , one company credits 75 % of the leading index and 25 % of the second performing index and then eliminates the lowest index altogether . Keep in mind that policy expenses are deducted every year and in a year that all three indexes are negative , the policy would be negative . So you could lose money . 