Free tool
Retirement & IUL calculator with real market history
Four quick steps. Adjust your age, contribution, cap and floor, and watch the projection update against the actual S&P 500 returns of the last twenty years — including 2008 and 2022.
- 1. Your details
- 2. Your contribution
- 3. Your plan design
- 4. Your projection
30 years of tax-advantaged accumulation.
Live projection
$522,221
projected cash value at age 65 · $2,968/month tax-free income
Hypothetical illustration only. Assumes a 10.0% cap, 0.0% floor, 100.0% participation and 12.0% of premium toward insurance costs and policy charges. Actual results depend on the carrier, your underwriting class and future index performance. Not a guarantee.
Questions
Straight answers, including the downsides
What are the cap and the floor?
The floor is the minimum the policy will credit in a year — usually 0%, meaning a market crash credits you nothing rather than losing your money. The cap is the maximum credited in a year, often 9–12%. You trade the top of the market for protection at the bottom.
Is an IUL better than a 401(k)?
Neither is universally better; they solve different problems. A 401(k) with an employer match is hard to beat for matched dollars. An IUL adds tax-free access before 59½, no contribution limits, a death benefit, and no losing years. Most of our clients use both.
How is the retirement income tax-free?
Distributions are taken as policy loans against the cash value. Under current tax law, loans from a properly structured, non-MEC life insurance contract are not treated as taxable income. Tax law can change, and this is not tax advice — we work alongside your CPA.
Numbers look interesting? Let's make them real.
A carrier illustration uses your actual age, health class and state. It is free, and it is the only way to know your true cost.