VIDA PROTEGIDAOpen the full calculator
The existing calculator includes monthly contributions, age and time horizon; three gross growth scenarios; user-assumed fees, fee increases, and an annual chart; simplified index caps and participation; family coverage needs; and level versus increasing death-benefit examples.
Every previous control remains available. Calculations take place in your browser and do not become contact requests.
Explore transparent mathematical scenarios without sharing your figures.
No phone number or email is required to use it.
Understanding the three outputs
- Total contributions: sum of the planned payments, not actual policy value or a required premium.
- Gross math example: fixed-rate compound-interest arithmetic before all insurance expenses.
- With assumed charges: a separate mathematical stress test deducting a chosen monthly amount with an optional annual increase.
A real IUL uses specific periods, indexes, and contract crediting formulas; it does not simply compound a guaranteed constant monthly rate. Not all of a premium becomes cash value.
Using the stress test
- Choose a sustainable hypothetical monthly contribution and a time horizon.
- Review contributions and gross math, then open the charges section and increase the assumed charge.
- Lower the hypothetical rate to observe uncertainty, not to predict insurance outcomes.
- Use the single-period index example to see why index gains and credited interest differ.
- Review family protection needs and level/increasing death benefits separately.
Some mathematical combinations may not be meaningful for an actual contract. Obtain a current insurer-issued illustration with guaranteed and non-guaranteed figures before comparing real offers.
Methodology and limits
The gross example applies end-of-month contributions using a monthly effective rate of (1 + annual rate)^(1/12) − 1. The assumed-charge example uses the same mathematical rate and deducts a user-selected monthly amount up to available balance. It does not simulate actual debt or policy lapse. Annual charts and tables use the same calculation history.
The simplified single-period index calculation is max(0, min(cap, index change × participation percentage)). Actual formulas vary and may include spreads, excluded dividends, bonuses, segments, and changing rules.
Family need is annual income × years + debts + education − savings − existing coverage, floored at zero. Death-benefit examples use independent hypothetical inputs, not the monthly budget, age, or health selection.
Critical limitation: no carrier premiums, actual mortality charges, policy cash values, surrender values, loans, taxes, lapse or approved coverage are calculated. Real results can be lower, zero, or require higher premiums.
Sources and related reading
- NAIC: life insurance illustrations and indexed policy rules
- NAIC: Life Insurance Buyer’s Guide (PDF)
- IUL risks and charges
- What happens if you stop paying premiums
- Our editorial and corrections policy
The references are provided for independent verification. NAIC and insurers have not endorsed or approved this calculator.
General education, not personal advice · Editorial and corrections policy