Build Your Ideal Policy
Pick the kind of policy, put in what you would contribute, and see it year by year. Nothing is saved and nothing is sent.
Whole Life Or IUL?
About You
What You'd Put In
What It's Built For
Slide right to put more of every payment into paid-up additions, which builds cash value sooner. All the way left is no additions at all: every dollar buys base policy, which is a plain whole life policy bought for the death benefit. Above 84% the design is Cash Sooner, and below it the design is Value Later. The slider stops before the point where the policy would break the 7-pay limit and lose its tax advantages.
Term rider, 20 years. 91% of each payment into additions needs more death benefit than the base policy alone can carry, so $431 a year of it buys a rider. It falls off in year 21 and the death benefit drops from $1,051,388 to $828,708. That drop is what this shape costs.
Educational estimate only. This is not a policy illustration, not an offer of insurance, and not specific to any carrier or product. Real numbers come from a carrier-certified illustration prepared for you after underwriting, and they will differ from these.