IUL Growth Calculator
See how your cash value could grow with market-linked returns and downside protection.
Adjust Your Inputs
Floor (Guaranteed Minimum)
0%
You never lose in a down year
Cap (Typical Maximum)
10%
Max credited in a good year
Total Contributions
$120,000
Projected Cash Value
$260,464
Growth
+$140,464
Important: This calculator provides estimates for illustrative purposes only. It applies a 10% cap and a 0% floor against your assumed annual return — it is not a carrier illustration. Carrier-issued IUL illustrations comply with NAIC Actuarial Guideline 49-A (AG 49-A), which constrains illustrated crediting rates, indexed-loan arbitrage, and bonus assumptions. Actual IUL policy performance depends on the specific index strategy, cap rates, participation rates, policy charges, and cost of insurance. Past index performance does not guarantee future results. For an accurate illustration based on your specific situation, request a free consultation.
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