Use our free calculator to estimate the coverage your family needs. Then get a real indexed universal life quote built around your numbers.
Income, debts, college and final expenses, added up in seconds.
Turn your estimate into actual carrier quotes.
See how an IUL can protect your family and build living benefits.
Online IUL calculators that promise a retirement income number are only as good as their assumptions. Real IUL values depend on carrier charges, caps that can change, and how the policy is funded.
That's why our calculator starts with what you can know for sure: how much protection your family needs. A licensed specialist then runs real illustrations from A-rated carriers, with both guaranteed and illustrated values.
A quick estimate using the most common method: replace income for a number of years, pay off debts, cover college and final expenses, then subtract what you already have.
Get your coverage estimate below.
We run actual carrier numbers for you.
A free 15-minute call to walk through it.
How IUL and whole life grow cash value, protect your family, and let you borrow from your own policy. Download it free, then book a no-pressure 15-minute call if you'd like to see your own numbers.
A common starting point is 10–12 times income, adjusted for debts, dependents, college plans and existing coverage.
Only a carrier illustration can, because charges and crediting rates vary by policy. We run those for free.
Conservative illustrations use a rate well below the cap. We prefer modest assumptions and show the guaranteed column too.
Yes, and so is the quote.
