IUL Calculator & Illustrations

IUL calculators and Illustrations can be useful tools to help you compare and determine which option is better suited for your needs.

IUL Calculator

Change age and monthly contribution to simulate different results.

* IUL: 6.4% annual return with tax deferral
* CD: 2.9% annual return with taxable payments at 35%

A calculator that shows how much cash value you could build up including life insurance benefits.

Your policy’s cash value grow each year between a cap of 8% and a floor of 0%, averaging 6.44%. This means you never lose money and lock in gains annually with protection against market downturns. Use the sliding controls to adjust age and monthly contributions to see your potential cash value at retirement. For a personalized policy, see for how much you qualify and how much you can save.

Cash At Age 69: $0
(If you need cash)

Death Benefit: $0
(If you die too soon)

Living Benefits: $0
(If you become ill)

*Tables and charts are for illustrative purposes only and do not represent any specific policy example. Please consult with a licensed agent for a specific policy for additional information. All guarantees and contractual obligations are solely based on the claims-paying ability of the issuing company. The death, living benefits benefit will depend on the individual’s age and health the current calculator calculates values based on national averages for non-smoking clients.

Using IUL Calculators and Product Illustrations to Evaluate Indexed Universal Life Insurance

While IUL insurance may appear similar to other products, there are key differences you should understand before making a decision.

An IUL calculator can be a useful tool to help you compare and determine which option is better suited for your needs.

IUL offers an additional option of linking cash value growth to market-based indexes, such as the S&P 500 or NASDAQ 100, in addition to a fixed account.

Indexed Universal Life Insurance gives policyholders the opportunity to benefit from market-linked growth without the risk of losing value due to market downturns, unlike variable life insurance policies. With IUL, cash value is built through premium payments and the growth tied to the performance of selected indexes.

Estimating Cash Value and Premium Costs

IUL calculators are often used to quickly estimate cash value accumulation and monthly premium costs, helping prospective buyers better understand how IUL policies work. This article explores the use of these calculators to evaluate Indexed Universal Life Insurance and illustrates the potential growth and benefits of an IUL policy.

The Bottom Line

Finding the best IUL policy can be complex due to the many moving parts involved. Consulting an IUL expert is highly recommended to ensure you get a policy that suits your needs. By carefully evaluating insurance companies and their offerings, you’ll be better equipped to select the most suitable IUL policy for your financial goals.

Congress Created A Way To Build Tax-Free Wealth With Life Insurance

When Congress passed TAMRA, they enhanced the benefits of Indexed Universal Life Insurance. This little-known law allows you to build tax-free generational wealth. With an IUL, you can protect your family with up to $5 million in coverage, earn up to 8% annual returns, and never worry about market losses. Plus, your growth and principal remain tax-free, even if you access the funds during your lifetime.

See If You Qualify—it takes just 5 minutes to see your potential wealth. Click Here

Protection From Down Markets

These policies can benefit from market gains through index performance, like the S&P 500, up to a cap, while being protected from market losses due to a typical 0% floor.

Generational Wealth Building

Upon your passing, the accumulated funds in your policy can be transferred to your beneficiary also tax-free.

Access To Money

You can usually access funds from an active policy tax-free during your lifetime.

Surprising Growth Potential

You have the potential to build significant cash value.

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How an Indexed Universal Life Insurance Calculator Works

An Indexed Universal Life Insurance (IUL) calculator is commonly used to estimate projected cash values over specified time intervals and calculate monthly premium costs. Unlike variable policies, IUL policies offer a guaranteed interest rate to calculate cash value, ensuring a stable return on the policy.

IUL policies can generate significant cash value due to the guaranteed interest rate, and in some cases, the performance of the indexed investments may exceed expectations, leading to even higher cash value growth. Each insurance company has its own standards for indexed returns, and top IUL providers offer attractive growth potential and index options. IUL experts create illustrations both before and after the policy is purchased to track how the index performance affects your retirement income projections.

To use an IUL calculator, the process begins with completing an online form, selecting optional riders, and answering a few basic questions. Afterward, you’ll receive a projection of your cash value and an instant quote. When estimating premiums, personal information is typically not required, but factors like your age, tobacco use, and target death benefit are necessary to determine the premium costs.

Projecting IUL Cash Values

An IUL calculator estimates cash values based on four common time intervals: 10, 20, 65, or 75 years. These projections depend on various inputs, such as the average credited interest rate, target death benefit, and the client’s age at the time of application. One of the key advantages of an IUL policy is that it allows additional premium payments, which grow on a tax-deferred basis. However, there are IRS limitations on how much extra you can contribute to an IUL policy.

Several riders, including a waiver of premium, long-term care, accidental death, and guaranteed purchase options, can significantly impact cash value projections and premium costs.

If you’re comparing costs and value for an IUL policy, consulting a top-rated IUL expert is an excellent first step. These professionals can help you explore the best available IUL products and review results from multiple IUL calculators through detailed illustrations, ensuring you have all the information needed to make the best decision for you and your family.