Five products · Five planning models
Make the decision visible.
Use these tools to understand the shape of a policy. They do not use live carrier rates and are not quotes or illustrations.
02 / WHOLE LIFE
Estimate a planning range.
Lifetime protection with scheduled premiums and guaranteed cash-value structure.How these tools work
Term, whole-life, and final-expense ranges use generalized age, benefit, duration, tobacco, and health factors—not a carrier rate sheet. IUL uses user-selected crediting and simplified policy-cost assumptions; real values can be materially lower or higher and only an approved carrier illustration can describe a specific product. The annuity tool compounds user-entered assumptions and does not include surrender charges, taxes, withdrawals, spreads, caps, participation rates, or rider costs.