Use this free IUL calculator to estimate what a properly structured indexed universal life policy could build for you. Enter your age, monthly contribution, retirement age, illustrated rate and health profile. It estimates your cash value, potential tax-free retirement income and death benefit, and Cory walks you through the numbers on a free 15-minute call.
What this IUL calculator estimates
- Cash value at retirement, based on your monthly contribution and illustrated rate.
- Tax-free retirement income you could take through policy loans.
- Death benefit your family would receive, generally income-tax-free.
- Tax savings compared with taking the same income from a taxable account.
How the IUL calculator works
- Issue age and retirement age. More years of funding means more time to compound.
- Monthly contribution. $100 to $5,000 a month. In a properly structured IUL, most of this goes to cash value rather than insurance cost.
- Illustrated rate. The average annual rate you want to assume, from 3% to 9%. Indexed accounts are credited 0% in down years and up to a cap in up years, so a moderate average is the honest assumption.
- Gender, tobacco use, height and weight. These set your health class, which drives the cost of insurance. That’s why this is more accurate than a generic compound interest calculator.
IUL calculator vs a real IUL illustration
A calculator gives you a ballpark. An illustration is the insurer’s official projection for a specific policy design, with its actual caps, fees, and your health rating. Two policies with the same premium can produce very different income depending on how they’re structured: death benefit size, funding level, index strategy and loan type. Your call with Cory turns this estimate into a real illustration.
What makes an IUL “properly structured”?
- Minimum death benefit for the premium, so less goes to insurance cost and more to cash value.
- Funded close to the IRS limit without becoming a modified endowment contract (MEC), which keeps loans tax-free.
- Consistent early funding so cash value compounds.
- An income plan built in advance: withdrawals up to your basis, then loans, while keeping enough in the policy that it never lapses.
Learn more: Is IUL tax-free? · Tax-free retirement with an IUL
IUL calculator FAQ
Is this IUL calculator free?
Yes. There’s no cost and no obligation. Your detailed results are reviewed with you on a free 15-minute call.
What illustrated rate should I use?
Many people use 5% to 6.5% as a conservative long-term average. Higher rates can overstate results, because caps limit gains in strong years and down years credit 0%.
How much cash value will an IUL have in 10 years?
It depends on contributions, age, health and policy design. Early years build slower because of policy costs. A properly structured policy is designed to reduce that drag. Use the calculator above for your own estimate.
Can I lose money in an IUL?
Not from market drops. Down years credit 0%. Policy charges still apply, so an underfunded policy can lose value, which is why structure matters.
Book a free 15-minute call or call or text 561-542-8610.
Preliminary estimate only. Actual results depend on policy design, underwriting, fees, funding, loans and the issuing insurer. Not tax or legal advice.
