Free IUL Calculator
See your projected tax-free cash accumulation, retirement income, and life benefit in 60 seconds. Personalized to your goals and budget.
Trusted by 12,000+ families nationwide
Free • No credit card • Results in 60 seconds
Why families choose IUL
Tax-Advantaged Growth
Cash value grows tax-deferred and can be accessed tax-free at any time through properly structured policy loans. Every dollar you save is a dollar that works for you and multiplies over time. Learn how Max Funded IUL works →
Downside Protection
Your cash value tracks the S&P 500 index up to a 12% cap, with a 0% floor. Meaning, you enjoy market gains without market losses, your accumulated cash is shielded if there is a market crash.
Flexible Access
No early withdrawal penalties like with a 401(k). Tap into your cash value at any age for opportunities, emergencies, college funds, or retirement income using loans, while your cash keeps growing uninterrupted.
How it works
- 1
Answer 9 Quick Questions
Tell us about your goals, timeline, age, health, and contribution comfort level. Takes 60 seconds.
- 2
Get Your Personalized Projection
Our engine models premiums, cap rates, fees, and policy loans through age 100. Conservative AG49-B compliant assumptions throughout.
- 3
Review Your Dashboard
See your annual tax-free income, cash value at retirement, life benefit, and year-by-year projection chart. Then optionally book a free financial analysis.