{"id":1617,"date":"2024-09-19T17:45:35","date_gmt":"2024-09-19T17:45:35","guid":{"rendered":"https:\/\/may.iaq.mybluehost.me\/?page_id=1617"},"modified":"2025-05-13T22:56:25","modified_gmt":"2025-05-13T22:56:25","slug":"iul-calculator","status":"publish","type":"page","link":"https:\/\/insurancebuddyusa.com\/es\/iul-calculator\/","title":{"rendered":"Calculadora IUL"},"content":{"rendered":"<style>.kb-row-layout-id1617_791b79-ba > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id1617_791b79-ba > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id1617_791b79-ba > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:600px;margin-left:auto;margin-right:auto;padding-top:150px;padding-right:0px;padding-bottom:120px;padding-left:0px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id1617_791b79-ba > .kt-row-layout-overlay{opacity:0.70;background-image:url('https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2021\/04\/bg-0.png');background-size:cover;background-position:center center;background-attachment:fixed;background-repeat:no-repeat;}@media all and (max-width: 1024px), only screen and (min-device-width: 1024px) and (max-device-width: 1366px) and (-webkit-min-device-pixel-ratio: 2) and (hover: none){.kb-row-layout-id1617_791b79-ba > .kt-row-layout-overlay{background-attachment:scroll;}}@media all and (max-width: 1024px){.kb-row-layout-id1617_791b79-ba > .kt-row-column-wrap{padding-top:140px;padding-right:0px;padding-bottom:80px;padding-left:0px;grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id1617_791b79-ba > .kt-row-column-wrap{padding-top:120px;padding-right:20px;padding-bottom:50px;padding-left:20px;grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id1617_791b79-ba alignnone has-theme-palette8-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-layout-overlay kt-row-overlay-normal\"><\/div><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column1617_ae0373-19 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column1617_ae0373-19 > .kt-inside-inner-col,.kadence-column1617_ae0373-19 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1617_ae0373-19 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1617_ae0373-19 > .kt-inside-inner-col{flex-direction:column;}.kadence-column1617_ae0373-19 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column1617_ae0373-19 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1617_ae0373-19{position:relative;}@media all and (max-width: 1024px){.kadence-column1617_ae0373-19 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column1617_ae0373-19 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column1617_ae0373-19\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading1617_b097e0-2b, .wp-block-kadence-advancedheading.kt-adv-heading1617_b097e0-2b[data-kb-block=\"kb-adv-heading1617_b097e0-2b\"]{margin-bottom:22.5px;text-align:center;line-height:1em;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1617_b097e0-2b mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1617_b097e0-2b[data-kb-block=\"kb-adv-heading1617_b097e0-2b\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1617_b097e0-2b img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1617_b097e0-2b[data-kb-block=\"kb-adv-heading1617_b097e0-2b\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading1617_b097e0-2b, .wp-block-kadence-advancedheading.kt-adv-heading1617_b097e0-2b[data-kb-block=\"kb-adv-heading1617_b097e0-2b\"]{margin-bottom:17.5px;}}<\/style>\n<h1 class=\"kt-adv-heading1617_b097e0-2b wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading1617_b097e0-2b\">IUL Calculator &amp; Illustrations<\/h1>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading1617_c73d25-a9, .wp-block-kadence-advancedheading.kt-adv-heading1617_c73d25-a9[data-kb-block=\"kb-adv-heading1617_c73d25-a9\"]{text-align:center;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1617_c73d25-a9 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1617_c73d25-a9[data-kb-block=\"kb-adv-heading1617_c73d25-a9\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1617_c73d25-a9 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1617_c73d25-a9[data-kb-block=\"kb-adv-heading1617_c73d25-a9\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading1617_c73d25-a9 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading1617_c73d25-a9\">IUL calculators and Illustrations can be useful tools to help you compare and determine which option is better suited for your needs. <\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id1617_b56791-14 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id1617_b56791-14 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id1617_b56791-14 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-none, 0rem );max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:100px;padding-right:20px;padding-bottom:0px;padding-left:20px;grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id1617_b56791-14 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id1617_b56791-14 > .kt-row-column-wrap{padding-top:80px;padding-right:20px;padding-bottom:0px;padding-left:20px;grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id1617_b56791-14 > .kt-row-column-wrap{padding-top:60px;padding-right:30px;padding-bottom:0px;padding-left:30px;grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id1617_b56791-14 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-row kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column1617_5e0014-ae > .kt-inside-inner-col{padding-top:10px;padding-right:40px;padding-bottom:10px;padding-left:10px;}.kadence-column1617_5e0014-ae > .kt-inside-inner-col,.kadence-column1617_5e0014-ae > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1617_5e0014-ae > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1617_5e0014-ae > .kt-inside-inner-col{flex-direction:column;}.kadence-column1617_5e0014-ae > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column1617_5e0014-ae > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1617_5e0014-ae{position:relative;}@media all and (max-width: 1024px){.kadence-column1617_5e0014-ae > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column1617_5e0014-ae > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column1617_5e0014-ae\"><div class=\"kt-inside-inner-col\">\n<div id=\"calculator-container\">\n  <h2>IUL Calculator<\/h2>\n  <p>Change age and monthly contribution to simulate different results.<\/p>\n  <div>\n    <label for=\"age\">Prospect Age: <span id=\"current-age\">21<\/span><\/label>\n    <input type=\"range\" id=\"age-slider\" min=\"0\" max=\"59\" value=\"21\" \/>\n  <\/div>\n  <div>\n    <label for=\"monthly-contribution\">Deposits: $<span id=\"current-contribution\">200<\/span>\/m<\/label>\n    <input type=\"range\" id=\"contribution-slider\" min=\"100\" max=\"2000\" step=\"50\" value=\"200\" \/>\n  <\/div>\n  <canvas id=\"comparison-chart\" width=\"800\" height=\"400\"><\/canvas>\n  <div>\n    <div style=\"background-color:#82ca9d; font-size:small;\"> * IUL: 6.4% annual return with tax deferral <\/div>\n    <div style=\"background-color:#cccccc; font-size:small;\"> * CD: 2.9% annual return with taxable payments at 35% <\/div>\n  <\/div>\n<\/div>\n\n\n<script src=\"https:\/\/cdn.jsdelivr.net\/npm\/chart.js\"><\/script>\n<script>\n  document.addEventListener(\"DOMContentLoaded\", function () {\n    const ageSlider = document.getElementById(\"age-slider\");\n    const contributionSlider = document.getElementById(\"contribution-slider\");\n    const currentAgeSpan = document.getElementById(\"current-age\");\n    const currentContributionSpan = document.getElementById(\"current-contribution\");\n    const ctx = document.getElementById(\"comparison-chart\").getContext(\"2d\");\n    const valueAtAge69Plus22Element = document.getElementById(\"value-at-age-69-plus-22\");\n    const valueAtAge69_95Element = document.getElementById(\"value-at-age-69-95\");\n    const cashValueAge69Element = document.getElementById(\"cash-value-age-69\");\n\n    let chart;\n\n    function calculateValues(age, monthlyContribution) {\n      const maxAge = 79;\n      const years = maxAge - age + 1;\n      const annualContribution = monthlyContribution * 12;\n      let iulValue = 0;\n      let cdValue = 0;\n      let iulValueAtAge69 = 0;\n      const labels = [];\n      const iulData = [];\n      const cdData = [];\n\n      for (let year = 0; year <= years; year++) {\n        iulValue = (iulValue + annualContribution) * 1.064;\n        const cdInterest = cdValue * 0.0290;\n        const cdTax = cdInterest * 0.35;\n        cdValue = cdValue + annualContribution + cdInterest - cdTax;\n\n        labels.push(age + year);\n        iulData.push(Math.round(iulValue));\n        cdData.push(Math.round(cdValue));\n\n        \/\/ Capture IUL value at age 69\n        if (age + year === 69) {\n          iulValueAtAge69 = iulValue;\n        }\n      }\n\n      return { labels, iulData, cdData, iulValueAtAge69 };\n    }\n\n    function showTooltipAtAge69(chartInstance) {\n      const indexAt69 = chartInstance.data.labels.indexOf(69);\n      if (indexAt69 !== -1) {\n        chartInstance.setActiveElements([{ datasetIndex: 0, index: indexAt69 }]);\n        chartInstance.tooltip.setActiveElements([{ datasetIndex: 0, index: indexAt69 }], {\n          x: chartInstance.scales.x.getPixelForValue(69),\n          y: chartInstance.scales.y.getPixelForValue(chartInstance.data.datasets[0].data[indexAt69])\n        });\n        chartInstance.update();\n      }\n    }\n\n    function updateChart(age, monthlyContribution) {\n      const { labels, iulData, cdData, iulValueAtAge69 } = calculateValues(age, monthlyContribution);\n\n      if (chart) {\n        chart.destroy();\n      }\n\n      \/\/ Apply percentage decreases for the adjusted values at age 69\n      const cashValueAdjusted = Math.round(iulValueAtAge69 * 0.6921); \/\/ 30.79% decrease\n      const deathBenefitAdjusted = Math.round(iulValueAtAge69 * 0.523); \/\/ 47.70% decrease\n      const livingBenefitsAdjusted = Math.round(iulValueAtAge69 * 0.544); \/\/ 45.56% decrease\n\n      \/\/ Display adjusted values immediately\n      cashValueAge69Element.textContent = `$${cashValueAdjusted.toLocaleString()}`;\n      valueAtAge69Plus22Element.textContent = `$${deathBenefitAdjusted.toLocaleString()}`;\n      valueAtAge69_95Element.textContent = `$${livingBenefitsAdjusted.toLocaleString()}`;\n\n      \/\/ Adjust iulData directly for the entire chart\n      const adjustedIulData = iulData.map(value => Math.round(value * 0.6921)); \/\/ Reflecting the 30.79% decrease\n\n      chart = new Chart(ctx, {\n        type: \"line\",\n        data: {\n          labels: labels,\n          datasets: [\n            {\n              label: \"IUL Cash Value\",\n              borderColor: \"#82ca9d\",\n              backgroundColor: \"rgba(130, 202, 157, 0.1)\",\n              data: adjustedIulData,\n              pointRadius: 3,\n              borderWidth: 3,\n            },\n            {\n              label: \"CD Value\",\n              borderColor: \"rgba(211, 211, 211, 1)\",\n              backgroundColor: \"rgba(211, 211, 211, 0.1)\",\n              data: cdData,\n              pointRadius: 3,\n              borderWidth: 3,\n            },\n          ],\n        },\n        options: {\n          responsive: true,\n          scales: {\n            x: {\n              title: {\n                display: true,\n                text: \"Age\",\n              },\n            },\n            y: {\n              title: {\n                display: true,\n                text: \"Value ($)\",\n              },\n              ticks: {\n                callback: function (value) {\n                  if (value >= 1000000) return `$${(value \/ 1000000).toFixed(1)}M`;\n                  if (value >= 1000) return `$${(value \/ 1000).toFixed(0)}K`;\n                  return `$${value}`;\n                },\n              },\n            },\n          },\n          plugins: {\n            tooltip: {\n              callbacks: {\n                label: function (tooltipItem) {\n                  return `${tooltipItem.dataset.label}: $${tooltipItem.raw.toLocaleString()}`;\n                },\n              },\n            },\n            legend: {\n              labels: {\n                boxWidth: 15,\n                font: {\n                  size: 14,\n                },\n              },\n            },\n          },\n        },\n      });\n\n      \/\/ Show tooltip for age 69 immediately upon creation\n      showTooltipAtAge69(chart);\n    }\n\n    \/\/ Initialize the chart on page load\n    updateChart(21, 200);\n\n    \/\/ Update chart on slider change\n    ageSlider.addEventListener(\"input\", function () {\n      currentAgeSpan.textContent = ageSlider.value;\n      updateChart(Number(ageSlider.value), Number(contributionSlider.value));\n    });\n\n    contributionSlider.addEventListener(\"input\", function () {\n      currentContributionSpan.textContent = contributionSlider.value;\n      updateChart(Number(ageSlider.value), Number(contributionSlider.value));\n    });\n  });\n<\/script>\n\n\n\n<p class=\"has-small-font-size wp-block-paragraph\"><\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column1617_72e072-1c > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column1617_72e072-1c > .kt-inside-inner-col,.kadence-column1617_72e072-1c > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1617_72e072-1c > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1617_72e072-1c > .kt-inside-inner-col{flex-direction:column;}.kadence-column1617_72e072-1c > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column1617_72e072-1c > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1617_72e072-1c{position:relative;}@media all and (max-width: 1024px){.kadence-column1617_72e072-1c > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column1617_72e072-1c > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-2 wp-block-kadence-column kadence-column1617_72e072-1c\"><div class=\"kt-inside-inner-col\">\n<h2 class=\"wp-block-heading has-medium-font-size\">A calculator&nbsp;that shows how much cash value you could build up including life insurance benefits.<\/h2>\n\n\n\n<p class=\"has-small-font-size wp-block-paragraph\">Your policy&#8217;s cash value grow each year between a cap of 8% and a floor of 0%, averaging 6.44%. This means you never lose money and lock in gains annually with protection against market downturns. Use the sliding controls to adjust age and monthly contributions to see your potential cash value at retirement. For a personalized policy, see for how much you qualify and how much you can save.<\/p>\n\n\n\n<div style=\"background-color:#82ca9d;\">\n    <strong>Cash At Age 69:<\/strong> <span id=\"cash-value-age-69\">$0<\/span><br> (If you need cash)\n  <\/div>\n  <hr>\n  <div style=\"background-color:#ccccff;\">\n    <strong>Death Benefit:<\/strong> <span id=\"value-at-age-69-plus-22\">$0<\/span><br> (If you die too soon)\n  <\/div>\n  <hr>\n  <div style=\"background-color:#ccffff;\">\n    <strong>Living Benefits:<\/strong> <span id=\"value-at-age-69-95\">$0<\/span><br> (If you become ill)\n  <\/div>\n<\/div>\n\n\n\n<p class=\"has-small-font-size wp-block-paragraph\">*Tables and charts are for illustrative purposes only and do not represent any specific policy example. Please <a href=\"\/getstarted\/\">consult with a licensed agent<\/a> for a specific policy for additional information. All guarantees and contractual obligations are solely based on the claims-paying ability of the issuing company. The death, living benefits benefit will depend on the individual\u2019s age and health the current calculator calculates values based on national averages for non-smoking clients.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id1617_bb0327-2f{margin-top:60px;margin-bottom:0px;}.kb-row-layout-id1617_bb0327-2f > .kt-row-column-wrap{align-content:center;}:where(.kb-row-layout-id1617_bb0327-2f > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:center;}.kb-row-layout-id1617_bb0327-2f > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-none, 0rem );max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:60px;padding-right:20px;padding-bottom:99px;padding-left:20px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id1617_bb0327-2f > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id1617_bb0327-2f > .kt-row-column-wrap{padding-top:40px;padding-right:30px;padding-bottom:30px;padding-left:30px;grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id1617_bb0327-2f > .kt-row-column-wrap{padding-top:20px;padding-right:20px;padding-bottom:70px;padding-left:20px;grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id1617_bb0327-2f alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-middle kb-theme-content-width\">\n<style>.kadence-column1617_5203db-86 > .kt-inside-inner-col{display:flex;}.kadence-column1617_5203db-86 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column1617_5203db-86 > .kt-inside-inner-col,.kadence-column1617_5203db-86 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1617_5203db-86 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1617_5203db-86 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column1617_5203db-86 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column1617_5203db-86{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1617_5203db-86{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1617_5203db-86 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column1617_5203db-86 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1617_5203db-86{position:relative;}.kadence-column1617_5203db-86, .kt-inside-inner-col > .kadence-column1617_5203db-86:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}@media all and (max-width: 1024px){.kadence-column1617_5203db-86 > .kt-inside-inner-col{padding-top:60px;padding-right:40px;padding-bottom:80px;padding-left:40px;flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column1617_5203db-86{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1617_5203db-86{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1617_5203db-86 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column1617_5203db-86, .kt-inside-inner-col > .kadence-column1617_5203db-86:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}@media all and (max-width: 767px){.kadence-column1617_5203db-86 > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;flex-direction:column;justify-content:center;}.kt-row-column-wrap > .kadence-column1617_5203db-86{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1617_5203db-86{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1617_5203db-86 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column1617_5203db-86, .kt-inside-inner-col > .kadence-column1617_5203db-86:not(.specificity){margin-top:40px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}<\/style>\n<div class=\"inner-column-2 wp-block-kadence-column kadence-column1617_5203db-86\"><div class=\"kt-inside-inner-col\">\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe48e5de wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"\/getstarted\/\">Get A Quote<\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id1617_05ce92-dd > .kt-row-column-wrap{align-content:center;}:where(.kb-row-layout-id1617_05ce92-dd > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:center;}.kb-row-layout-id1617_05ce92-dd > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-none, 0rem );max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-right:0px;padding-bottom:30px;padding-left:0px;grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id1617_05ce92-dd > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id1617_05ce92-dd > .kt-row-column-wrap{padding-top:90px;padding-right:30px;padding-bottom:0px;padding-left:30px;grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id1617_05ce92-dd > .kt-row-column-wrap{padding-top:0px;padding-right:20px;padding-bottom:70px;padding-left:20px;grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id1617_05ce92-dd alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-row kt-mobile-layout-row kt-row-valign-middle kb-theme-content-width\">\n<style>.kadence-column1617_4002e1-3e > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column1617_4002e1-3e > .kt-inside-inner-col,.kadence-column1617_4002e1-3e > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1617_4002e1-3e > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1617_4002e1-3e > .kt-inside-inner-col{flex-direction:column;}.kadence-column1617_4002e1-3e > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column1617_4002e1-3e > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1617_4002e1-3e{position:relative;}.kadence-column1617_4002e1-3e, .kt-inside-inner-col > .kadence-column1617_4002e1-3e:not(.specificity){margin-top:0px;margin-right:100px;margin-bottom:0px;margin-left:0px;}@media all and (max-width: 1024px){.kadence-column1617_4002e1-3e > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column1617_4002e1-3e, .kt-inside-inner-col > .kadence-column1617_4002e1-3e:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}@media all and (max-width: 767px){.kadence-column1617_4002e1-3e > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;flex-direction:column;justify-content:center;}.kadence-column1617_4002e1-3e, .kt-inside-inner-col > .kadence-column1617_4002e1-3e:not(.specificity){margin-top:70px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column1617_4002e1-3e\"><div class=\"kt-inside-inner-col\"><div class=\"wp-block-image dots-style-abt1\">\n<figure class=\"aligncenter size-full is-resized\"><img decoding=\"async\" width=\"560\" height=\"400\" loading=\"lazy\" src=\"https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2024\/09\/IUL-calculator-photo-finance.jpg\" alt=\"\" class=\"wp-image-2150\" style=\"width:597px;height:auto\" srcset=\"https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2024\/09\/IUL-calculator-photo-finance.jpg 560w, https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2024\/09\/IUL-calculator-photo-finance-300x214.jpg 300w\" sizes=\"auto, (max-width: 560px) 100vw, 560px\" \/><\/figure>\n<\/div>\n\n<div class=\"wp-block-image dots-style-abt1\">\n<figure class=\"aligncenter size-full is-resized\"><img decoding=\"async\" width=\"1440\" height=\"1008\" loading=\"lazy\" src=\"https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2024\/09\/IUL-1.png\" alt=\"\" class=\"wp-image-1841\" style=\"width:601px;height:auto\" srcset=\"https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2024\/09\/IUL-1.png 1440w, https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2024\/09\/IUL-1-300x210.png 300w, https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2024\/09\/IUL-1-1024x717.png 1024w, https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2024\/09\/IUL-1-768x538.png 768w\" sizes=\"auto, (max-width: 1440px) 100vw, 1440px\" \/><\/figure>\n<\/div><\/div><\/div>\n\n\n<style>.kadence-column1617_12edcb-0c > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column1617_12edcb-0c > .kt-inside-inner-col,.kadence-column1617_12edcb-0c > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1617_12edcb-0c > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1617_12edcb-0c > .kt-inside-inner-col{flex-direction:column;}.kadence-column1617_12edcb-0c > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column1617_12edcb-0c > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1617_12edcb-0c{position:relative;}.kadence-column1617_12edcb-0c, .kt-inside-inner-col > .kadence-column1617_12edcb-0c:not(.specificity){margin-top:0px;margin-right:120px;margin-bottom:0px;margin-left:0px;}@media all and (max-width: 1024px){.kadence-column1617_12edcb-0c > .kt-inside-inner-col{padding-top:50px;padding-right:40px;padding-bottom:70px;padding-left:40px;flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column1617_12edcb-0c, .kt-inside-inner-col > .kadence-column1617_12edcb-0c:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}@media all and (max-width: 767px){.kadence-column1617_12edcb-0c > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;flex-direction:column;justify-content:center;}.kadence-column1617_12edcb-0c, .kt-inside-inner-col > .kadence-column1617_12edcb-0c:not(.specificity){margin-top:30px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}<\/style>\n<div class=\"inner-column-2 wp-block-kadence-column kadence-column1617_12edcb-0c\"><div class=\"kt-inside-inner-col\">\n<p class=\"wp-block-paragraph\"><strong>Using IUL Calculators and Product Illustrations to Evaluate Indexed Universal Life Insurance<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">While IUL insurance may appear similar to other products, there are key differences you should understand before making a decision. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">An IUL calculator can be a useful tool to help you compare and determine which option is better suited for your needs. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">IUL offers an additional option of linking cash value growth to market-based indexes, such as the S&amp;P 500 or NASDAQ 100, in addition to a fixed account. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Indexed Universal Life Insurance gives policyholders the opportunity to benefit from market-linked growth without the risk of losing value due to market downturns, unlike variable life insurance policies. With IUL, cash value is built through premium payments and the growth tied to the performance of selected indexes.<\/p>\n\n\n<style>.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box1617_158f69-ab .kt-blocks-info-box-link-wrap{max-width:unset;}.kt-info-box1617_158f69-ab .kt-blocks-info-box-link-wrap{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;background:var(--global-palette9, #ffffff);padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;margin-top:20px;margin-right:0px;margin-bottom:0px;margin-left:0px;}.kt-info-box1617_158f69-ab .kt-blocks-info-box-link-wrap:hover{background:var(--global-palette9, #ffffff);}.kt-info-box1617_158f69-ab .kadence-info-box-icon-container .kt-info-svg-icon, .kt-info-box1617_158f69-ab .kt-info-svg-icon-flip, .kt-info-box1617_158f69-ab .kt-blocks-info-box-number{font-size:22px;}.kt-info-box1617_158f69-ab .kt-blocks-info-box-media{color:var(--global-palette9, #ffffff);background:var(--global-palette1, #3182CE);border-color:#eeeeee;border-radius:200px;overflow:hidden;border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;padding-top:13px;padding-right:13px;padding-bottom:13px;padding-left:13px;margin-top:0px;margin-right:13px;margin-bottom:0px;margin-left:13px;}.kt-info-box1617_158f69-ab .kt-blocks-info-box-media .kadence-info-box-image-intrisic img{border-radius:200px;}.kt-info-box1617_158f69-ab .kt-blocks-info-box-link-wrap:hover .kt-blocks-info-box-media{color:var(--global-palette6, #718096);background:var(--global-palette1, #3182CE);border-color:#eeeeee;}.kt-info-box1617_158f69-ab .kt-infobox-textcontent h2.kt-blocks-info-box-title{color:var(--global-palette3, #1A202C);font-size:19px;line-height:29px;font-family:Inter;font-style:normal;font-weight:700;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;margin-top:0px;margin-right:0px;margin-bottom:5px;margin-left:0px;}.kt-info-box1617_158f69-ab .kt-infobox-textcontent .kt-blocks-info-box-text{color:#aeaeae;}.wp-block-kadence-infobox.kt-info-box1617_158f69-ab .kt-blocks-info-box-text{margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}.kt-info-box1617_158f69-ab .kt-blocks-info-box-learnmore{background:transparent;border-color:#555555;border-width:0px 0px 0px 0px;padding-top:4px;padding-right:8px;padding-bottom:4px;padding-left:8px;margin-top:10px;margin-right:0px;margin-bottom:10px;margin-left:0px;}.kt-info-box1617_158f69-ab .kt-blocks-info-box-link-wrap:hover .kt-blocks-info-box-learnmore,.kt-info-box1617_158f69-ab .kt-blocks-info-box-link-wrap .kt-blocks-info-box-learnmore:focus{color:#ffffff;background:#444444;border-color:#444444;}@media all and (max-width: 1024px){.kt-info-box1617_158f69-ab .kt-blocks-info-box-link-wrap{text-align:left;}}@media all and (max-width: 767px){.kt-info-box1617_158f69-ab .kt-blocks-info-box-link-wrap{text-align:center;display:block;}.kt-info-box1617_158f69-ab .kt-blocks-info-box-link-wrap .kt-blocks-info-box-media{display:inline-block;max-width:100%;}}<\/style>\n<div class=\"wp-block-kadence-infobox kt-info-box1617_158f69-ab\"><span class=\"kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-left kt-info-halign-left kb-info-box-vertical-media-align-top kb-info-tablet-halign-left kb-info-mobile-halign-center\"><div class=\"kt-blocks-info-box-media-container\"><div class=\"kt-blocks-info-box-media kt-info-media-animate-none\"><div class=\"kadence-info-box-icon-container kt-info-icon-animate-none\"><div class=\"kadence-info-box-icon-inner-container\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_fileText kt-info-svg-icon\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M14 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V8z\"\/><polyline points=\"14 2 14 8 20 8\"\/><line x1=\"16\" y1=\"13\" x2=\"8\" y2=\"13\"\/><line x1=\"16\" y1=\"17\" x2=\"8\" y2=\"17\"\/><polyline points=\"10 9 9 9 8 9\"\/><\/svg><\/span><\/div><\/div><\/div><\/div><div class=\"kt-infobox-textcontent\"><h2 class=\"kt-blocks-info-box-title\">Estimating Cash Value and Premium Costs<\/h2><p class=\"kt-blocks-info-box-text\"> IUL calculators are often used to quickly estimate cash value accumulation and monthly premium costs, helping prospective buyers better understand how IUL policies work. This article explores the use of these calculators to evaluate Indexed Universal Life Insurance and illustrates the potential growth and benefits of an IUL policy.<\/p><\/div><\/span><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id1617_04c209-92 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id1617_04c209-92 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id1617_04c209-92 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:110px;padding-right:0px;padding-bottom:150px;padding-left:0px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id1617_04c209-92 > .kt-row-layout-overlay{opacity:0.57;background-image:url('https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2021\/04\/bg-0.png');background-size:cover;background-position:center center;background-attachment:scroll;background-repeat:no-repeat;}.kb-row-layout-id1617_04c209-92 .kt-row-layout-bottom-sep{height:50px;}.kb-row-layout-id1617_04c209-92 .kt-row-layout-bottom-sep svg{width:100%;}.kb-row-layout-id1617_04c209-92 .kt-row-layout-bottom-sep svg{fill:var(--global-palette9, #ffffff)!important;}.kb-row-layout-id1617_04c209-92 .kt-row-layout-top-sep{height:70px;}.kb-row-layout-id1617_04c209-92 .kt-row-layout-top-sep svg{width:100%;}.kb-row-layout-id1617_04c209-92 .kt-row-layout-top-sep svg{fill:var(--global-palette9, #ffffff)!important;}@media all and (max-width: 1024px){.kb-row-layout-id1617_04c209-92 > .kt-row-column-wrap{padding-top:100px;padding-right:30px;padding-bottom:90px;padding-left:30px;grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 1024px){.kb-row-layout-id1617_04c209-92 .kt-row-layout-bottom-sep{height:px;}}@media all and (max-width: 1024px){.kb-row-layout-id1617_04c209-92 .kt-row-layout-bottom-sep svg{width:%;}}@media all and (max-width: 767px){.kb-row-layout-id1617_04c209-92 > .kt-row-column-wrap{padding-top:60px;padding-right:20px;padding-bottom:70px;padding-left:20px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id1617_04c209-92 .kt-row-layout-bottom-sep{height:px;}.kb-row-layout-id1617_04c209-92 .kt-row-layout-bottom-sep svg{width:%;}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id1617_04c209-92 alignnone has-theme-palette8-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-layout-overlay kt-row-overlay-normal\"><\/div><div class=\"kt-row-layout-top-sep kt-row-sep-type-crvri\"><svg viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\"><path d=\"M1000,0c0,0 -120.987,98 -350,98c-229.013,0 -650,-98 -650,-98l0,100l1000,0l0,-100Z\" \/><\/svg><\/div><div class=\"kt-row-layout-bottom-sep kt-row-sep-type-wavei\"><svg viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\"><path d=\"M0,40c0,0 120.077,-38.076 250,-38c129.923,0.076 345.105,78 500,78c154.895,0 250,-30 250,-30l0,50l-1000,0l0,-60Z\" \/><\/svg><\/div><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column1617_8571f7-79 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column1617_8571f7-79 > .kt-inside-inner-col,.kadence-column1617_8571f7-79 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1617_8571f7-79 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1617_8571f7-79 > .kt-inside-inner-col{flex-direction:column;}.kadence-column1617_8571f7-79 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column1617_8571f7-79 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1617_8571f7-79{position:relative;}@media all and (max-width: 1024px){.kadence-column1617_8571f7-79 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column1617_8571f7-79 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column1617_8571f7-79\"><div class=\"kt-inside-inner-col\"><style>.kb-row-layout-id1617_e03823-56 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id1617_e03823-56 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id1617_e03823-56 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:0px;padding-right:20px;padding-bottom:0px;padding-left:20px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id1617_e03823-56 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id1617_e03823-56 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id1617_e03823-56 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id1617_e03823-56 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column1617_cfa4c0-64 > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kadence-column1617_cfa4c0-64 > .kt-inside-inner-col,.kadence-column1617_cfa4c0-64 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1617_cfa4c0-64 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1617_cfa4c0-64 > .kt-inside-inner-col{flex-direction:column;}.kadence-column1617_cfa4c0-64 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column1617_cfa4c0-64 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1617_cfa4c0-64{position:relative;}@media all and (max-width: 1024px){.kadence-column1617_cfa4c0-64 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column1617_cfa4c0-64 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column1617_cfa4c0-64\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading1617_20c3a5-52, .wp-block-kadence-advancedheading.kt-adv-heading1617_20c3a5-52[data-kb-block=\"kb-adv-heading1617_20c3a5-52\"]{margin-top:0px;margin-right:0px;margin-bottom:40px;margin-left:0px;text-align:center;line-height:1em;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1617_20c3a5-52 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1617_20c3a5-52[data-kb-block=\"kb-adv-heading1617_20c3a5-52\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1617_20c3a5-52 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1617_20c3a5-52[data-kb-block=\"kb-adv-heading1617_20c3a5-52\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading1617_20c3a5-52 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading1617_20c3a5-52\">The Bottom Line <\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading1617_2f3913-58, .wp-block-kadence-advancedheading.kt-adv-heading1617_2f3913-58[data-kb-block=\"kb-adv-heading1617_2f3913-58\"]{text-align:center;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1617_2f3913-58 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1617_2f3913-58[data-kb-block=\"kb-adv-heading1617_2f3913-58\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1617_2f3913-58 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1617_2f3913-58[data-kb-block=\"kb-adv-heading1617_2f3913-58\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading1617_2f3913-58 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading1617_2f3913-58\">Finding the best IUL policy can be complex due to the many moving parts involved. Consulting an IUL expert is highly recommended to ensure you get a policy that suits your needs. By carefully evaluating insurance companies and their offerings, you\u2019ll be better equipped to select the most suitable IUL policy for your financial goals.<\/p>\n\n\n<style>.wp-block-kadence-advancedbtn.kb-btns1617_071aa2-62{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:center;align-items:center;}.kt-btns1617_071aa2-62 .kt-button{font-weight:normal;font-style:normal;}.kt-btns1617_071aa2-62 .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns1617_071aa2-62 .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns1617_071aa2-62 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns1617_071aa2-62 .kt-btn-wrap-0 .kt-button:focus{color:#ffffff;border-color:#444444;}.wp-block-kadence-advancedbtn.kt-btns1617_071aa2-62 .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns1617_071aa2-62 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns1617_071aa2-62 .kt-btn-wrap-0 .kt-button:focus{background:#444444;}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns1617_071aa2-62\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn1617_d0d647-b3.kb-button{width:initial;}<\/style><a class=\"kb-button kt-button button kb-btn1617_d0d647-b3 kt-btn-size-standard kt-btn-width-type-auto kb-btn-global-inherit kt-btn-has-text-true kt-btn-has-svg-false wp-block-button__link wp-block-kadence-singlebtn\" href=\"\/getstarted\/\"><span class=\"kt-btn-inner-text\">Get Started<\/span><\/a><\/div>\n<\/div><\/div>\n\n<\/div><\/div><\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id1617_f7f5d6-31{margin-top:60px;margin-bottom:0px;}.kb-row-layout-id1617_f7f5d6-31 > .kt-row-column-wrap{align-content:center;}:where(.kb-row-layout-id1617_f7f5d6-31 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:center;}.kb-row-layout-id1617_f7f5d6-31 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-none, 0rem );max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:60px;padding-right:20px;padding-bottom:99px;padding-left:20px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id1617_f7f5d6-31 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id1617_f7f5d6-31 > .kt-row-column-wrap{padding-top:40px;padding-right:30px;padding-bottom:30px;padding-left:30px;grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id1617_f7f5d6-31 > .kt-row-column-wrap{padding-top:20px;padding-right:20px;padding-bottom:70px;padding-left:20px;grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id1617_f7f5d6-31 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-middle kb-theme-content-width\">\n<style>.kadence-column1617_b56d17-78 > .kt-inside-inner-col{display:flex;}.kadence-column1617_b56d17-78 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column1617_b56d17-78 > .kt-inside-inner-col,.kadence-column1617_b56d17-78 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1617_b56d17-78 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1617_b56d17-78 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column1617_b56d17-78 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column1617_b56d17-78{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1617_b56d17-78{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1617_b56d17-78 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column1617_b56d17-78 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1617_b56d17-78{position:relative;}.kadence-column1617_b56d17-78, .kt-inside-inner-col > .kadence-column1617_b56d17-78:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}@media all and (max-width: 1024px){.kadence-column1617_b56d17-78 > .kt-inside-inner-col{padding-top:60px;padding-right:40px;padding-bottom:80px;padding-left:40px;flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column1617_b56d17-78{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1617_b56d17-78{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1617_b56d17-78 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column1617_b56d17-78, .kt-inside-inner-col > .kadence-column1617_b56d17-78:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}@media all and (max-width: 767px){.kadence-column1617_b56d17-78 > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;flex-direction:column;justify-content:center;}.kt-row-column-wrap > .kadence-column1617_b56d17-78{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1617_b56d17-78{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1617_b56d17-78 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column1617_b56d17-78, .kt-inside-inner-col > .kadence-column1617_b56d17-78:not(.specificity){margin-top:40px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}<\/style>\n<div class=\"inner-column-2 wp-block-kadence-column kadence-column1617_b56d17-78\"><div class=\"kt-inside-inner-col\">\n<h2 class=\"wp-block-heading\"><strong>Congress Created A Way To Build Tax-Free Wealth With Life Insurance<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">When Congress passed TAMRA, they enhanced the benefits of Indexed Universal Life Insurance. This little-known law allows you to build tax-free generational wealth. With an IUL, you can protect your family with up to $5 million in coverage, earn up to 8% annual returns, and never worry about market losses. Plus, your growth and principal remain tax-free, even if you access the funds during your lifetime.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>See If You Qualify<\/strong>\u2014it takes just 5 minutes to see your potential wealth. <a href=\"\/getstarted\/\">Click Here<\/a><\/p>\n\n\n<style>.kb-row-layout-id1617_6c4ba5-ab > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id1617_6c4ba5-ab > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id1617_6c4ba5-ab > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id1617_6c4ba5-ab > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id1617_6c4ba5-ab > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id1617_6c4ba5-ab > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id1617_6c4ba5-ab alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column1617_912025-30 > .kt-inside-inner-col,.kadence-column1617_912025-30 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1617_912025-30 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1617_912025-30 > .kt-inside-inner-col{flex-direction:column;}.kadence-column1617_912025-30 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column1617_912025-30 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1617_912025-30{position:relative;}@media all and (max-width: 1024px){.kadence-column1617_912025-30 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column1617_912025-30 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column1617_912025-30\"><div class=\"kt-inside-inner-col\">\n<h4 class=\"wp-block-heading\">Protection From Down Markets<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">These policies can benefit from market gains through index performance, like the S&amp;P 500, up to a cap, while being protected from market losses due to a typical 0% floor.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Generational Wealth Building<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Upon your passing, the accumulated funds in your policy can be transferred to your beneficiary also tax-free.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column1617_b1f9e4-61 > .kt-inside-inner-col,.kadence-column1617_b1f9e4-61 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1617_b1f9e4-61 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1617_b1f9e4-61 > .kt-inside-inner-col{flex-direction:column;}.kadence-column1617_b1f9e4-61 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column1617_b1f9e4-61 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1617_b1f9e4-61{position:relative;}@media all and (max-width: 1024px){.kadence-column1617_b1f9e4-61 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column1617_b1f9e4-61 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column1617_b1f9e4-61\"><div class=\"kt-inside-inner-col\">\n<h4 class=\"wp-block-heading\">Access To Money<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">You can usually access funds from an active policy tax-free during your lifetime.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Surprising Growth Potential<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">You have the potential to build significant cash value.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n<\/div><\/div>\n\n<\/div><\/div><\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id1617_b2a6a9-0b{margin-top:0px;margin-bottom:90px;}.kb-row-layout-id1617_b2a6a9-0b > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id1617_b2a6a9-0b > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id1617_b2a6a9-0b > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id1617_b2a6a9-0b > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id1617_b2a6a9-0b > .kt-row-column-wrap{padding-top:0px;padding-right:20px;padding-bottom:0px;padding-left:20px;grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id1617_b2a6a9-0b{margin-top:50px;margin-bottom:0px;}.kb-row-layout-id1617_b2a6a9-0b > .kt-row-column-wrap{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id1617_b2a6a9-0b alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column1617_13d4e4-4a > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column1617_13d4e4-4a > .kt-inside-inner-col,.kadence-column1617_13d4e4-4a > .kt-inside-inner-col:before{border-top-left-radius:20px;border-top-right-radius:20px;border-bottom-right-radius:20px;border-bottom-left-radius:20px;}.kadence-column1617_13d4e4-4a > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1617_13d4e4-4a > .kt-inside-inner-col{flex-direction:column;}.kadence-column1617_13d4e4-4a > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column1617_13d4e4-4a > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1617_13d4e4-4a{position:relative;}.kadence-column1617_13d4e4-4a, .kt-inside-inner-col > .kadence-column1617_13d4e4-4a:not(.specificity){margin-right:var(--global-kb-spacing-sm, 1.5rem);margin-left:var(--global-kb-spacing-xs, 1rem);}@media all and (max-width: 1024px){.kadence-column1617_13d4e4-4a > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column1617_13d4e4-4a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column1617_13d4e4-4a\"><div class=\"kt-inside-inner-col\"><style>.kb-row-layout-id1617_2e9847-2a > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id1617_2e9847-2a > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id1617_2e9847-2a > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-none, 0rem );max-width:1140px;margin-left:auto;margin-right:auto;padding-top:50px;padding-right:60px;padding-bottom:50px;padding-left:60px;grid-template-columns:minmax(0, calc(29.6% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)))minmax(0, calc(70.4% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)));}.kb-row-layout-id1617_2e9847-2a{border-top-left-radius:30px;border-top-right-radius:30px;border-bottom-right-radius:30px;border-bottom-left-radius:30px;overflow:clip;isolation:isolate;}.kb-row-layout-id1617_2e9847-2a > .kt-row-layout-overlay{border-top-left-radius:30px;border-top-right-radius:30px;border-bottom-right-radius:30px;border-bottom-left-radius:30px;}.kb-row-layout-id1617_2e9847-2a > .kt-row-layout-overlay{opacity:1;background:linear-gradient(300deg, var(--global-palette1) 0%, var(--global-palette2) 100%);}@media all and (max-width: 1024px){.kb-row-layout-id1617_2e9847-2a > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id1617_2e9847-2a{margin-top:0px;margin-bottom:0px;}.kb-row-layout-id1617_2e9847-2a > .kt-row-column-wrap{padding-top:34px;padding-right:34px;padding-bottom:34px;padding-left:34px;grid-template-columns:minmax(0, 1fr);}}.kb-row-layout-id1617_2e9847-2a .quote-style { position: absolute; left: 50px; top: 35px;}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id1617_2e9847-2a alignnone kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-layout-overlay kt-row-overlay-gradient\"><\/div><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-row kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column1617_da6ab0-85 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column1617_da6ab0-85 > .kt-inside-inner-col,.kadence-column1617_da6ab0-85 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1617_da6ab0-85 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1617_da6ab0-85 > .kt-inside-inner-col{flex-direction:column;}.kadence-column1617_da6ab0-85 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column1617_da6ab0-85 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1617_da6ab0-85{position:relative;}@media all and (max-width: 1024px){.kadence-column1617_da6ab0-85 > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:40px;padding-left:0px;flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column1617_da6ab0-85 > .kt-inside-inner-col{padding-top:20px;padding-right:30px;padding-bottom:30px;padding-left:30px;flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column1617_da6ab0-85\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading1617_dac33e-96, .wp-block-kadence-advancedheading.kt-adv-heading1617_dac33e-96[data-kb-block=\"kb-adv-heading1617_dac33e-96\"]{margin-top:-20px;margin-right:-50px;margin-bottom:0px;margin-left:-20px;text-align:center;font-size:9em;line-height:1em;font-weight:600;font-style:italic;font-family:Jost;text-transform:uppercase;text-shadow:0px 0px 22px rgba(27,0,79,0.11);}.wp-block-kadence-advancedheading.kt-adv-heading1617_dac33e-96 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1617_dac33e-96[data-kb-block=\"kb-adv-heading1617_dac33e-96\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1617_dac33e-96 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1617_dac33e-96[data-kb-block=\"kb-adv-heading1617_dac33e-96\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading1617_dac33e-96, .wp-block-kadence-advancedheading.kt-adv-heading1617_dac33e-96[data-kb-block=\"kb-adv-heading1617_dac33e-96\"]{text-shadow:0px 0px 22px rgba(27,0,79,0.11);font-size:8em;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading1617_dac33e-96, .wp-block-kadence-advancedheading.kt-adv-heading1617_dac33e-96[data-kb-block=\"kb-adv-heading1617_dac33e-96\"]{margin-top:-20px;margin-right:0px;margin-bottom:-50px;margin-left:-20px;text-shadow:0px 0px 22px rgba(27,0,79,0.11);font-size:6em;}}<\/style>\n<p class=\"kt-adv-heading1617_dac33e-96 quote-style wp-block-kadence-advancedheading has-theme-palette-9-color has-text-color\" data-kb-block=\"kb-adv-heading1617_dac33e-96\">&#8220;<\/p>\n\n\n<style>.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box1617_73d210-a2 .kt-blocks-info-box-link-wrap{max-width:unset;}.kt-info-box1617_73d210-a2 .kt-blocks-info-box-link-wrap{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;background:rgba(242, 242, 242, 0);padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kt-info-box1617_73d210-a2 .kt-blocks-info-box-link-wrap:hover{background:rgba(242, 242, 242, 0);}.kt-info-box1617_73d210-a2.wp-block-kadence-infobox{max-width:100%;}.kt-info-box1617_73d210-a2 .kadence-info-box-image-inner-intrisic-container{max-width:250px;}.kt-info-box1617_73d210-a2 .kadence-info-box-image-inner-intrisic-container .kadence-info-box-image-intrisic{padding-bottom:100%;width:500px;height:0px;max-width:100%;}.kt-info-box1617_73d210-a2 .kadence-info-box-icon-container .kt-info-svg-icon, .kt-info-box1617_73d210-a2 .kt-info-svg-icon-flip, .kt-info-box1617_73d210-a2 .kt-blocks-info-box-number{font-size:50px;}.kt-info-box1617_73d210-a2 .kt-blocks-info-box-media{color:#444444;background:transparent;border-color:#444444;border-radius:20px;overflow:hidden;border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kt-info-box1617_73d210-a2 .kt-blocks-info-box-media-container{margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}.kt-info-box1617_73d210-a2 .kt-blocks-info-box-link-wrap:hover .kt-blocks-info-box-media{color:#444444;background:transparent;border-color:#444444;}.kt-info-box1617_73d210-a2 .kt-infobox-textcontent h2.kt-blocks-info-box-title{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;margin-top:5px;margin-right:0px;margin-bottom:10px;margin-left:0px;}.kt-info-box1617_73d210-a2 .kt-infobox-textcontent .kt-blocks-info-box-text{color:#555555;}.kt-info-box1617_73d210-a2 .kt-blocks-info-box-learnmore{background:transparent;border-color:#555555;border-width:0px 0px 0px 0px;padding-top:4px;padding-right:8px;padding-bottom:4px;padding-left:8px;margin-top:10px;margin-right:0px;margin-bottom:10px;margin-left:0px;}.kt-info-box1617_73d210-a2 .kt-blocks-info-box-link-wrap:hover .kt-blocks-info-box-learnmore,.kt-info-box1617_73d210-a2 .kt-blocks-info-box-link-wrap .kt-blocks-info-box-learnmore:focus{color:#ffffff;background:#444444;border-color:#444444;}@media all and (max-width: 1024px){.kt-info-box1617_73d210-a2 .kt-blocks-info-box-link-wrap{text-align:center;}}@media all and (max-width: 767px){.kt-info-box1617_73d210-a2 .kt-blocks-info-box-link-wrap{text-align:center;}}<\/style>\n<div class=\"wp-block-kadence-infobox kt-info-box1617_73d210-a2\"><span class=\"kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-center kb-info-tablet-halign-center kb-info-mobile-halign-center\"><div class=\"kt-blocks-info-box-media-container\"><div class=\"kt-blocks-info-box-media kt-info-media-animate-none\"><div class=\"kadence-info-box-image-inner-intrisic-container\"><div class=\"kadence-info-box-image-intrisic kt-info-animate-none\"><div class=\"kadence-info-box-image-inner-intrisic\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2021\/04\/brandy-kennedy-yhpw4-3xX7I-unsplash-1.jpg\" alt=\"\" width=\"500\" height=\"500\" class=\"kt-info-box-image wp-image-359\" srcset=\"https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2021\/04\/brandy-kennedy-yhpw4-3xX7I-unsplash-1.jpg 500w, https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2021\/04\/brandy-kennedy-yhpw4-3xX7I-unsplash-1-300x300.jpg 300w, https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2021\/04\/brandy-kennedy-yhpw4-3xX7I-unsplash-1-150x150.jpg 150w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" \/><\/div><\/div><\/div><\/div><\/div><div class=\"kt-infobox-textcontent\"><\/div><\/span><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column1617_f8d7fd-50 > .kt-inside-inner-col{display:flex;}.kadence-column1617_f8d7fd-50 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column1617_f8d7fd-50 > .kt-inside-inner-col,.kadence-column1617_f8d7fd-50 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1617_f8d7fd-50 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1617_f8d7fd-50 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column1617_f8d7fd-50 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column1617_f8d7fd-50{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1617_f8d7fd-50{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1617_f8d7fd-50 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column1617_f8d7fd-50 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1617_f8d7fd-50{position:relative;}@media all and (max-width: 1024px){.kadence-column1617_f8d7fd-50 > .kt-inside-inner-col{padding-top:0px;padding-right:60px;padding-bottom:0px;padding-left:60px;flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column1617_f8d7fd-50{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1617_f8d7fd-50{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1617_f8d7fd-50 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column1617_f8d7fd-50 > .kt-inside-inner-col{padding-top:10px;padding-right:0px;padding-bottom:40px;padding-left:0px;flex-direction:column;justify-content:center;}.kt-row-column-wrap > .kadence-column1617_f8d7fd-50{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1617_f8d7fd-50{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1617_f8d7fd-50 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-2 wp-block-kadence-column kadence-column1617_f8d7fd-50\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-icon.kt-svg-icons1617_2e9597-5f{justify-content:center;}@media all and (max-width: 1024px){.wp-block-kadence-icon.kt-svg-icons1617_2e9597-5f{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-icon.kt-svg-icons1617_2e9597-5f{justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-icon kt-svg-icons kt-svg-icons1617_2e9597-5f alignnone\"><style>.kt-svg-item-1617_d3373b-38 .kb-svg-icon-wrap, .kt-svg-style-stacked.kt-svg-item-1617_d3373b-38 .kb-svg-icon-wrap{color:#ffd972;font-size:22px;margin-right:10px;}<\/style>\n<div class=\"wp-block-kadence-single-icon kt-svg-style-default kt-svg-icon-wrap kt-svg-item-1617_d3373b-38\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_star\"><svg viewBox=\"0 0 576 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\"\/><\/svg><\/span><\/div>\n\n\n<style>.kt-svg-item-1617_85aa39-4a .kb-svg-icon-wrap, .kt-svg-style-stacked.kt-svg-item-1617_85aa39-4a .kb-svg-icon-wrap{color:#ffd972;font-size:22px;margin-right:10px;}<\/style>\n<div class=\"wp-block-kadence-single-icon kt-svg-style-default kt-svg-icon-wrap kt-svg-item-1617_85aa39-4a\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_star\"><svg viewBox=\"0 0 576 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\"\/><\/svg><\/span><\/div>\n\n\n<style>.kt-svg-item-1617_a5b129-c8 .kb-svg-icon-wrap, .kt-svg-style-stacked.kt-svg-item-1617_a5b129-c8 .kb-svg-icon-wrap{color:#ffd972;font-size:22px;margin-right:10px;}<\/style>\n<div class=\"wp-block-kadence-single-icon kt-svg-style-default kt-svg-icon-wrap kt-svg-item-1617_a5b129-c8\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_star\"><svg viewBox=\"0 0 576 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\"\/><\/svg><\/span><\/div>\n\n\n<style>.kt-svg-item-1617_5ebcbc-0d .kb-svg-icon-wrap, .kt-svg-style-stacked.kt-svg-item-1617_5ebcbc-0d .kb-svg-icon-wrap{color:#ffd972;font-size:22px;margin-right:10px;}<\/style>\n<div class=\"wp-block-kadence-single-icon kt-svg-style-default kt-svg-icon-wrap kt-svg-item-1617_5ebcbc-0d\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_star\"><svg viewBox=\"0 0 576 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\"\/><\/svg><\/span><\/div>\n\n\n<style>.kt-svg-item-1617_bc7870-88 .kb-svg-icon-wrap, .kt-svg-style-stacked.kt-svg-item-1617_bc7870-88 .kb-svg-icon-wrap{color:#ffd972;font-size:22px;}<\/style>\n<div class=\"wp-block-kadence-single-icon kt-svg-style-default kt-svg-icon-wrap kt-svg-item-1617_bc7870-88\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_star\"><svg viewBox=\"0 0 576 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\"\/><\/svg><\/span><\/div>\n<\/div>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading1617_39b615-60, .wp-block-kadence-advancedheading.kt-adv-heading1617_39b615-60[data-kb-block=\"kb-adv-heading1617_39b615-60\"]{margin-top:20px;margin-bottom:23.5px;line-height:1em;font-style:normal;text-transform:none;}.wp-block-kadence-advancedheading.kt-adv-heading1617_39b615-60 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1617_39b615-60[data-kb-block=\"kb-adv-heading1617_39b615-60\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1617_39b615-60 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1617_39b615-60[data-kb-block=\"kb-adv-heading1617_39b615-60\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading1617_39b615-60, .wp-block-kadence-advancedheading.kt-adv-heading1617_39b615-60[data-kb-block=\"kb-adv-heading1617_39b615-60\"]{text-align:center!important;}}<\/style>\n<h3 class=\"kt-adv-heading1617_39b615-60 wp-block-kadence-advancedheading has-theme-palette-9-color has-text-color\" data-kb-block=\"kb-adv-heading1617_39b615-60\">Get personalized quotes \u2014 Free, No-Obligation IUL Quote: Enter Info, Calculate A Deposit In 5 Min, Talk To An Agent. It Costs $0 To Run The Numbers &amp; Calculate A Recurring Deposit. No-Obligation IUL Estimate In 5 Min.<\/h3>\n\n\n<style>.wp-block-kadence-advancedbtn.kt-btns1617_a8f1cf-07, .site .entry-content .wp-block-kadence-advancedbtn.kt-btns1617_a8f1cf-07, .wp-block-kadence-advancedbtn.kb-btns1617_a8f1cf-07, .site .entry-content .wp-block-kadence-advancedbtn.kb-btns1617_a8f1cf-07{margin-top:40px;margin-right:0px;margin-bottom:-5px;margin-left:0px;}.wp-block-kadence-advancedbtn.kb-btns1617_a8f1cf-07{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:flex-start;align-items:center;}.kt-btns1617_a8f1cf-07 .kt-button{font-weight:normal;font-style:normal;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kb-btns1617_a8f1cf-07{justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns1617_a8f1cf-07\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn1617_e4aa4c-d1.kb-button{width:initial;}<\/style><a class=\"kb-button kt-button button kb-btn1617_e4aa4c-d1 kt-btn-size-standard kt-btn-width-type-auto kb-btn-global-inherit kt-btn-has-text-true kt-btn-has-svg-false wp-block-button__link wp-block-kadence-singlebtn\" href=\"\/getstarted\/\"><span class=\"kt-btn-inner-text\">Get Started<\/span><\/a><\/div>\n<\/div><\/div>\n\n<\/div><\/div><\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id1617_46fb1f-e5{margin-top:60px;margin-bottom:0px;}.kb-row-layout-id1617_46fb1f-e5 > .kt-row-column-wrap{align-content:center;}:where(.kb-row-layout-id1617_46fb1f-e5 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:center;}.kb-row-layout-id1617_46fb1f-e5 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-none, 0rem );max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:60px;padding-right:20px;padding-bottom:99px;padding-left:20px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id1617_46fb1f-e5 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id1617_46fb1f-e5 > .kt-row-column-wrap{padding-top:40px;padding-right:30px;padding-bottom:30px;padding-left:30px;grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id1617_46fb1f-e5 > .kt-row-column-wrap{padding-top:20px;padding-right:20px;padding-bottom:70px;padding-left:20px;grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id1617_46fb1f-e5 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-middle kb-theme-content-width\">\n<style>.kadence-column1617_0f712c-94 > .kt-inside-inner-col{display:flex;}.kadence-column1617_0f712c-94 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column1617_0f712c-94 > .kt-inside-inner-col,.kadence-column1617_0f712c-94 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1617_0f712c-94 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1617_0f712c-94 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column1617_0f712c-94 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column1617_0f712c-94{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1617_0f712c-94{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1617_0f712c-94 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column1617_0f712c-94 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1617_0f712c-94{position:relative;}.kadence-column1617_0f712c-94, .kt-inside-inner-col > .kadence-column1617_0f712c-94:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}@media all and (max-width: 1024px){.kadence-column1617_0f712c-94 > .kt-inside-inner-col{padding-top:60px;padding-right:40px;padding-bottom:80px;padding-left:40px;flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column1617_0f712c-94{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1617_0f712c-94{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1617_0f712c-94 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column1617_0f712c-94, .kt-inside-inner-col > .kadence-column1617_0f712c-94:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}@media all and (max-width: 767px){.kadence-column1617_0f712c-94 > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;flex-direction:column;justify-content:center;}.kt-row-column-wrap > .kadence-column1617_0f712c-94{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1617_0f712c-94{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1617_0f712c-94 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column1617_0f712c-94, .kt-inside-inner-col > .kadence-column1617_0f712c-94:not(.specificity){margin-top:40px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}<\/style>\n<div class=\"inner-column-2 wp-block-kadence-column kadence-column1617_0f712c-94\"><div class=\"kt-inside-inner-col\">\n<p class=\"wp-block-paragraph\"><strong>How an Indexed Universal Life Insurance Calculator Works<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">An Indexed Universal Life Insurance (IUL) calculator is commonly used to estimate projected cash values over specified time intervals and calculate monthly premium costs. Unlike variable policies, IUL policies offer a guaranteed interest rate to calculate cash value, ensuring a stable return on the policy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">IUL policies can generate significant cash value due to the guaranteed interest rate, and in some cases, the performance of the indexed investments may exceed expectations, leading to even higher cash value growth. Each insurance company has its own standards for indexed returns, and top IUL providers offer attractive growth potential and index options. IUL experts create illustrations both before and after the policy is purchased to track how the index performance affects your retirement income projections.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To use an IUL calculator, the process begins with completing an online form, selecting optional riders, and answering a few basic questions. Afterward, you&#8217;ll receive a projection of your cash value and an instant quote. When estimating premiums, personal information is typically not required, but factors like your age, tobacco use, and target death benefit are necessary to determine the premium costs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Projecting IUL Cash Values<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">An IUL calculator estimates cash values based on four common time intervals: 10, 20, 65, or 75 years. These projections depend on various inputs, such as the average credited interest rate, target death benefit, and the client\u2019s age at the time of application. One of the key advantages of an IUL policy is that it allows additional premium payments, which grow on a tax-deferred basis. However, there are IRS limitations on how much extra you can contribute to an IUL policy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Several riders, including a waiver of premium, long-term care, accidental death, and guaranteed purchase options, can significantly impact cash value projections and premium costs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019re comparing costs and value for an IUL policy, consulting a top-rated IUL expert is an excellent first step. These professionals can help you explore the best available IUL products and review results from multiple IUL calculators through detailed illustrations, ensuring you have all the information needed to make the best decision for you and your family.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>IUL Calculator &amp; Illustrations IUL calculators and Illustrations can be useful tools to help you compare and determine which option is better suited for your needs. IUL Calculator Change age and monthly contribution to simulate different results. Prospect Age: 21 Deposits: $200\/m * IUL: 6.4% annual return with tax deferral * CD: 2.9% annual return&#8230;<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"nf_dc_page":"","_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_kadence_starter_templates_imported_post":true,"_kad_post_transparent":"","_kad_post_title":"hide","_kad_post_layout":"fullwidth","_kad_post_sidebar_id":"","_kad_post_content_style":"unboxed","_kad_post_vertical_padding":"hide","_kad_post_feature":"hide","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"class_list":["post-1617","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>IUL Calculator &amp; Illustrations<\/title>\n<meta name=\"description\" content=\"An IUL calculator and illustration can be useful tools to help you compare and determine which option is better suited for your needs.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/insurancebuddyusa.com\/es\/iul-calculator\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"IUL Calculator &amp; Illustrations\" \/>\n<meta property=\"og:description\" content=\"An IUL calculator and illustration can be useful tools to help you compare and determine which option is better suited for your needs.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/insurancebuddyusa.com\/es\/iul-calculator\/\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/InsuranceBuddy.USA\" \/>\n<meta property=\"article:modified_time\" content=\"2025-05-13T22:56:25+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2024\/09\/IUL-calculator-photo-finance.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"560\" \/>\n\t<meta property=\"og:image:height\" content=\"400\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data1\" content=\"6 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/insurancebuddyusa.com\\\/iul-calculator\\\/\",\"url\":\"https:\\\/\\\/insurancebuddyusa.com\\\/iul-calculator\\\/\",\"name\":\"IUL Calculator & Illustrations\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/insurancebuddyusa.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/insurancebuddyusa.com\\\/iul-calculator\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/insurancebuddyusa.com\\\/iul-calculator\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/insurancebuddyusa.com\\\/wp-content\\\/uploads\\\/2024\\\/09\\\/IUL-calculator-photo-finance.jpg\",\"datePublished\":\"2024-09-19T17:45:35+00:00\",\"dateModified\":\"2025-05-13T22:56:25+00:00\",\"description\":\"An IUL calculator and illustration can be useful tools to help you compare and determine which option is better suited for your needs.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/insurancebuddyusa.com\\\/iul-calculator\\\/#breadcrumb\"},\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/insurancebuddyusa.com\\\/iul-calculator\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/insurancebuddyusa.com\\\/iul-calculator\\\/#primaryimage\",\"url\":\"https:\\\/\\\/insurancebuddyusa.com\\\/wp-content\\\/uploads\\\/2024\\\/09\\\/IUL-calculator-photo-finance.jpg\",\"contentUrl\":\"https:\\\/\\\/insurancebuddyusa.com\\\/wp-content\\\/uploads\\\/2024\\\/09\\\/IUL-calculator-photo-finance.jpg\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/insurancebuddyusa.com\\\/iul-calculator\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/insurancebuddyusa.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"IUL Calculator\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/insurancebuddyusa.com\\\/#website\",\"url\":\"https:\\\/\\\/insurancebuddyusa.com\\\/\",\"name\":\"Insurance Buddy\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/insurancebuddyusa.com\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/insurancebuddyusa.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"es\"},{\"@type\":\"InsuranceAgency\",\"@id\":\"https:\\\/\\\/insurancebuddyusa.com\\\/#organization\",\"name\":\"Insurance Buddy\",\"url\":\"https:\\\/\\\/insurancebuddyusa.com\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/insurancebuddyusa.com\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/insurancebuddyusa.com\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/cropped-cropped-Indexed-Universal-Life-Logo-3.png\",\"contentUrl\":\"https:\\\/\\\/insurancebuddyusa.com\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/cropped-cropped-Indexed-Universal-Life-Logo-3.png\",\"width\":730,\"height\":302,\"caption\":\"Insurance Buddy\"},\"image\":{\"@id\":\"https:\\\/\\\/insurancebuddyusa.com\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/InsuranceBuddy.USA\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/105227481\\\/\",\"https:\\\/\\\/www.instagram.com\\\/insurancebuddy_usa\\\/\"],\"areaServed\":\"United States\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"IUL Calculator & Illustrations","description":"An IUL calculator and illustration can be useful tools to help you compare and determine which option is better suited for your needs.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/insurancebuddyusa.com\/es\/iul-calculator\/","og_locale":"es_ES","og_type":"article","og_title":"IUL Calculator & Illustrations","og_description":"An IUL calculator and illustration can be useful tools to help you compare and determine which option is better suited for your needs.","og_url":"https:\/\/insurancebuddyusa.com\/es\/iul-calculator\/","article_publisher":"https:\/\/www.facebook.com\/InsuranceBuddy.USA","article_modified_time":"2025-05-13T22:56:25+00:00","og_image":[{"width":560,"height":400,"url":"https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2024\/09\/IUL-calculator-photo-finance.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Tiempo de lectura":"6 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/insurancebuddyusa.com\/iul-calculator\/","url":"https:\/\/insurancebuddyusa.com\/iul-calculator\/","name":"IUL Calculator & Illustrations","isPartOf":{"@id":"https:\/\/insurancebuddyusa.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/insurancebuddyusa.com\/iul-calculator\/#primaryimage"},"image":{"@id":"https:\/\/insurancebuddyusa.com\/iul-calculator\/#primaryimage"},"thumbnailUrl":"https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2024\/09\/IUL-calculator-photo-finance.jpg","datePublished":"2024-09-19T17:45:35+00:00","dateModified":"2025-05-13T22:56:25+00:00","description":"An IUL calculator and illustration can be useful tools to help you compare and determine which option is better suited for your needs.","breadcrumb":{"@id":"https:\/\/insurancebuddyusa.com\/iul-calculator\/#breadcrumb"},"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/insurancebuddyusa.com\/iul-calculator\/"]}]},{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/insurancebuddyusa.com\/iul-calculator\/#primaryimage","url":"https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2024\/09\/IUL-calculator-photo-finance.jpg","contentUrl":"https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2024\/09\/IUL-calculator-photo-finance.jpg"},{"@type":"BreadcrumbList","@id":"https:\/\/insurancebuddyusa.com\/iul-calculator\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/insurancebuddyusa.com\/"},{"@type":"ListItem","position":2,"name":"IUL Calculator"}]},{"@type":"WebSite","@id":"https:\/\/insurancebuddyusa.com\/#website","url":"https:\/\/insurancebuddyusa.com\/","name":"Compa\u00f1ero de seguros","description":"","publisher":{"@id":"https:\/\/insurancebuddyusa.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/insurancebuddyusa.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es"},{"@type":"InsuranceAgency","@id":"https:\/\/insurancebuddyusa.com\/#organization","name":"Compa\u00f1ero de seguros","url":"https:\/\/insurancebuddyusa.com\/","logo":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/insurancebuddyusa.com\/#\/schema\/logo\/image\/","url":"https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2025\/11\/cropped-cropped-Indexed-Universal-Life-Logo-3.png","contentUrl":"https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2025\/11\/cropped-cropped-Indexed-Universal-Life-Logo-3.png","width":730,"height":302,"caption":"Insurance Buddy"},"image":{"@id":"https:\/\/insurancebuddyusa.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/InsuranceBuddy.USA","https:\/\/www.linkedin.com\/company\/105227481\/","https:\/\/www.instagram.com\/insurancebuddy_usa\/"],"areaServed":"United States"}]}},"_links":{"self":[{"href":"https:\/\/insurancebuddyusa.com\/es\/wp-json\/wp\/v2\/pages\/1617","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/insurancebuddyusa.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/insurancebuddyusa.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/insurancebuddyusa.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/insurancebuddyusa.com\/es\/wp-json\/wp\/v2\/comments?post=1617"}],"version-history":[{"count":99,"href":"https:\/\/insurancebuddyusa.com\/es\/wp-json\/wp\/v2\/pages\/1617\/revisions"}],"predecessor-version":[{"id":3481,"href":"https:\/\/insurancebuddyusa.com\/es\/wp-json\/wp\/v2\/pages\/1617\/revisions\/3481"}],"wp:attachment":[{"href":"https:\/\/insurancebuddyusa.com\/es\/wp-json\/wp\/v2\/media?parent=1617"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}