Model indexed universal life cash value growth using cap rates and participation rates to compare with whole life.
Projected Cash Value
$223,296
After 20 years
Premiums Paid
$120,000
Total premium contributions
Estimated Credited Return
5.6%
After cap and participation adjustments
Projection Length
20 years
Year 20 of projection
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How IUL projections work
Indexed universal life cash value grows based on the performance of a market index, subject to a cap rate and participation rate. The projection assumes a stylized 7% annual index return. The participation rate determines what share of the gain you receive, while the cap limits your maximum credited return. The floor protects your cash value from negative index years, meaning your account is never credited below 0%. Actual results will vary based on real index performance.
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Results are estimates only and should not be considered professional insurance advice. Always consult a licensed insurance advisor before making coverage decisions.