Live comparison calculator

Your money, two very different endings.

Same contribution. Same years. The difference is who pays the tax bill in retirement — and how much of it.

Current age40

Retirement age65

Monthly contribution$800

Current retirement balance$50K

Retirement tax rate24%

Market

Plan fees

1.5%

IUL credit

6.5%

The tax difference

$287,599

That is the estimated income tax paid on the qualified plan over 25 years of retirement — money that never leaves the properly structured IUL, because policy loans are not taxable income under current IRS guidelines.

Extra net income / yr

$13,891

Lifetime advantage

$347,263

Death benefit included

$248,221

Continue with

401(k) / 403(b) / IRA

Projected balance at retirement

$710,764

Annual income (taxable)

$47,933

Annual income tax

− $11,504

Net spendable income

$36,429

Properly structured

Indexed Universal Life

Projected cash value at retirement

$709,204

Annual income (policy loans)