IUL vs Buy Term & Invest Simulator

SexHealth classbenchmark

Issue ageHorizon (years)

Smoker

Face amount$Annual premium$

Premium yearsDeath benefit

Creditingbenchmark

Index returnsSeriesbenchmarkStart year (1928–2025, wraps around)

WithdrawalsPolicy loans

Face amountbenchmark$Term lengthbenchmark

Keep coverage after term (annual renewal)

Market returnsSeriesbenchmarkStart year (1928–2025, wraps around)

Expense ratio%Dividend yield%

Apply taxes (taxable account)

Dividend tax%Cap gains tax%

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