IUL Growth Calculator

See how your cash value could grow with market-linked crediting, carrier-specific caps, and crediting floors.

Adjust Your Inputs

Monthly Contribution $500

$100$5,000

Time Horizon 20 years

5 years40 years

Average Index Return 7%

0%12%

Illustrative Crediting Floor

Limits negative index credits only

Illustrative Crediting Cap

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 carrier-specific index strategy, cap rates, floors, participation rates, policy charges, and cost of insurance. A floor limits negative index credits; it does not prevent cash value from being reduced by charges, loans, loan interest, surrender charges, or lapse. Policy loans may be tax-advantaged only if the policy is non-MEC and kept in force; consult a tax advisor. 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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