What's Your Thoughts on Index Life Insurance?

i like to here your thoughts on this area, and when if these policies fit into some one's plan. Did a quick back test of 30 years using their zero % floor in 12 % cap that mirrrs the s and p they most these insurance products,. Thay exclude dividends, and foundid under performs just a simple index with dividends included. I'm curious if you ever back tested these teps of policies with expenses, commissions, et cetera, to get a more accurate comparison.