IUL Cash Value Calculator

See Your IUL Projections!

Your premiums fund a policy that includes insurance costs and a cash value account. That account earns interest linked to a market index, subject to caps and floors.
  • Market down 20% → your credited interest: 0%
  • Market up 8% → your credited interest: up to the cap
  • No direct market investment
Growth scenario
Income start year
Monthly premium
$100
$100$2,000
Death benefit
A death benefit will be associated with the policy based on an individual's age and health.
Total premiums paid
$0
Est. cash value at year 30
$0
Est. tax-free income / yr til Age 90
$0
starting year 30
Cash value with IUL (9% cap, 0% floor) Premiums paid

This tool is for educational purposes only and is not a policy illustration. A personalized, carrier-approved illustration will be provided before any purchase. Tables and charts are for educational and illustrative purposes only and are not based on any specific policy example. Assumed rates of return are hypothetical and do not represent actual or guaranteed performance. Past index performance does not predict future results. Please reference your specific policy illustration for additional details. All guarantees and contractual obligations are based solely on the claims-paying ability of the issuing life insurance company. The 0% floor applies to credited interest only and does not prevent declines in cash value due to policy charges, cost of insurance, loans, or withdrawals. Policy must be properly funded to remain in force. Caps, participation rates, charges, and terms vary by carrier and may change over time. 

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