LEVEL 400 · INSURANCE DECISION

IUL vs. Term + Invest the Difference

Compare modeled accessible cash value with investing the premium difference—without confusing either result with the death benefit.

Not an insurance recommendation or policy illustration. Actual IUL outcomes depend on underwriting, caps, participation rates, spreads, guarantees, changing insurance charges, premium timing, loans, lapse risk, surrender schedules, commissions, taxes, and policy design. Only compare premiums for the same coverage amount and term. Compare an in-force or carrier illustration before acting.

MODELED RESULT—

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OPTIONAL NEXT TESTS

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RELATED TEST

Calculate the death benefit need

Set the protection target before comparing products.

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Expose investment fee drag

See how the investment side reacts to cost.

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Verify the policy job

Review coverage duration, beneficiary needs, access limits, costs, and lapse risk.

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