⚠ Illustration only· Not financial advice· Not an offer· Projections are hypothetical and not guarantees
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Indexed Universal Life — educational projection tool

Model how indexed universal life cash value and death benefit could evolve over time under simplified, level assumptions. Adjust the inputs, review the assumptions table, and request a personalized follow-up. Everything runs locally in your browser.

// Your Profile

Gender
Tobacco use
Risk posture

// Index Credit Assumptions

Fixed admin fee $120/yr · cost-of-insurance = $0.20 + $0.02 per year over age 18, per $1,000 of coverage · face amount defaults to the greater of 25× annual premium or $50,000, and is used as entered when a desired coverage amount is specified · credits applied once annually; fees deducted after crediting.

// Projection Results

⚠ Illustration only — not financial advice, not an offer

All figures below are hypothetical illustrations generated from fixed, simplified assumptions. They are not guarantees of future performance and do not represent any actual insurance product, insurer quote, or contract. Index-based crediting in real policies varies by carrier, product, and market year.

Projected cash value
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Death benefit
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Total premiums in
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Net credited rate
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Horizon
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Cash value Death benefit illustration only · not a guarantee

// Annual Schedule

YrAgePremiumCredit % FeesCash valueDeath benefit

// Request My Personalized Illustration

// Selftest (?selftest=1)

Important disclosures

This tool is provided for educational and illustrative purposes only. It is not financial advice, not tax or legal advice, and not an offer to sell or solicit any insurance product. All projections are hypothetical, rely on fixed simplifying assumptions, and are not guarantees of future results. Actual policy performance depends on insurer-specific charges, crediting methods, caps, participation rates, loan provisions, market performance, and factors not modeled here. Indexed Universal Life policies are long-term contracts and may lapse if insufficient premiums are paid; a lapse can have tax consequences. Consult a licensed insurance professional before making any decision. This tool is unaffiliated with any insurer and stores data only in your own browser (localStorage).

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