Interactive tools
Run your own numbers
Four free tools for understanding before deciding. Every output is a hypothetical illustration — useful for thinking, never a promise.
IUL Growth Estimator
Project hypothetical cash value across conservative, moderate, and favorable crediting scenarios, net of simplified policy costs.
Conservative (3.0%/yr)
$172,502
Hypothetical cash value at age 60
Moderate (5.5%/yr)
$245,893
vs. $150,000 contributed
Favorable (7.0%/yr)
$307,066
Upper illustrative scenario
Hypothetical cash value range over 25 years
Retirement Income Calculator
Estimate your balance at retirement, the monthly income it could sustain, and how long your target income would actually last.
Projected balance at 67
$809,112
Assumes 5.0%/yr while saving
Sustainable income (25 yrs)
$4,271/mo
Assumes 4.0%/yr in retirement
Your target income would last
28.2 years
Drawing $4,000/mo
On track — under these assumptions
Life Insurance Needs Calculator
A DIME-method estimate (Debt, Income, Mortgage, Education) of the coverage amount worth discussing with a professional.
Estimated coverage to discuss
$1,025,000
DIME-method estimate (Debt, Income, Mortgage, Education), rounded to $25k
Is IUL Right for Me?
Five honest questions about your horizon, goals, and budget — with an answer that's allowed to be 'probably not.'
Numbers raise questions. Good.
Bring your results to a free conversation and we'll pressure-test the assumptions together — including the ones these tools simplify.
Educational conversations only — never a sales script, never an obligation.