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Get approved for coverage with no medical exams through the best carrier and financial products tailored to fit your unique needs, quickly and easily before any disqualifying health issues arise. Once approved, you can choose to start contributing right away or take your time. Enjoy complete flexibility without the stress!

  • Flexible Savings High Interest 6-8% Tax-Free Growth.
  • Living Benefits Disability and Illness Protection.
  • Death Benefits  Life Insurance Benefits.
  • Retirement Ready With No Early Withdrawal Fees.
  • Tax Optimized Growth   Savings Usable For Anything.
  • 360 Protection Protect Funds from Garnishments.

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.

Top-Rated Insurance Companies Offering Indexed Universal Life (IUL) policies

A professional licensed insurance agent’s role is to assist you in selecting an appropriate provider and customizing a policy to meet your specific needs.