IUL Cash Value Estimator
See indexed universal life the honest way: a range from the guaranteed floor to a non-guaranteed illustrated value.
- Guaranteed-floor cash value (illustrative)
- $61,668
- Illustrated cash value (non-guaranteed)
- $118,019
See IUL the honest way, a range, not a single optimistic number.
Educational estimate only. Not insurance, financial, tax, or legal advice. Indexed universal life illustrations use non-guaranteed assumed rates, and fees plus caps materially reduce real cash value. Actual results vary by carrier, policy, and market. Review a full carrier illustration and consult a licensed professional before deciding.
Why this IUL estimator shows a range, not one number
Indexed universal life is one of the most oversold products in the business, usually because the sales pitch leans on a single optimistic illustrated rate and quietly skips the caps and fees that pull real cash value down. This estimator does the opposite on purpose. It shows two numbers: a guaranteed-floor value, where your credited rate sits at the floor (often 0 percent), and an illustrated value, where growth is credited at the lesser of your assumed rate or the cap. The truth almost always lives somewhere between those two lines, and seeing the spread is the point. NAIC rules exist precisely because illustrated rates are assumptions, not promises, and a year of strong index returns can still be capped while the fees keep coming. Showing prospects the honest range builds more trust than a glossy single number, and trust is what actually closes IUL. None of this is a carrier illustration or a guarantee of any outcome. It is an educational estimate to frame the conversation before a real illustration is run. The catch with IUL is that it is rarely a one-call sale. It needs patient, compliant follow-up over the 30 to 60 day window these decisions take, and that is exactly the cadence The Standard CRM runs for every lead, automatically and within the rules.
How this is calculated
Net accumulation each year = (prior value plus annual premium minus fees) credited at the lesser of the assumed rate or the cap, but never below the floor. Two paths are shown: a guaranteed-floor path (typically 0 percent) and an illustrated path. CAUTION: illustrated rates are non-guaranteed assumptions, NAIC requires carriers to show multiple assumed rates, and fees plus caps materially reduce real cash value. This is a simplified estimate, not a carrier illustration.
Frequently asked questions
- Are the illustrated IUL numbers guaranteed?
- No. The illustrated value uses a non-guaranteed assumed crediting rate, which is why this tool also shows a guaranteed-floor value (often 0 percent growth). NAIC rules require carriers to illustrate more than one assumed rate precisely because the optimistic number is not a promise. Treat the illustrated figure as one possible scenario, not an expectation.
- Why is my real cash value usually lower than the headline number?
- Caps limit how much of an index gain you actually receive, and policy fees plus cost of insurance pull money out every year. Both are built into this estimate. A glossy illustration that ignores fees or assumes a high steady rate every year tends to overstate what you will really see.
- Is this the same as a carrier illustration?
- No. This is a simplified educational estimate to help you understand the range of outcomes. An actual carrier illustration reflects your specific policy, age, health, riders, and the exact cap, floor, and fee structure of that carrier. Always review the real illustration before you decide.