IUL Crediting Strategies

Ive been jumping around reading various topics and soaking in lots of info, especially such posts from DHK and Scagnt -great reads, very informative, just wanted to throw that out there should they stumble in here.

My question is, with IUL strategies, is it the "norm" to just allocate 100% into what would seem like the most aggressive growth, usually being a point to point, high cap 100% par? Assuming the scenarios with a client who would want cash accum./growth.

Or would you allocate some in a fixed strategy knowing that some years index strategy may not yield any return?
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