VIDA PROTEGIDAIUL Scenario Learning Lab
Explore the numbers at your pace: no tool needs your phone, email or a conversation with an agent. Change assumptions to understand risk, not predict a real policy.
Jump to tools ↓1 · Explore indexed interest credits
Enter an index change and see how contract-style limits could affect interest credits. This omits dividends, bonuses and complex crediting formulas.
Educational formula: max(floor, min(cap, index change × participation − spread)). The floor applies to interest CREDIT, NOT to charges.
2 · Hypothetical account and fee scenarios
Simplified model: adds premiums net of loads, deducts assumed charges, and credits interest annually. Try stopping premiums after a chosen year while charges continue. This does not predict guaranteed values, required funding, or actual lapse.
Change a field to recalculate immediately
3 · Policy loan and accumulating interest
Explore a loan against the mathematical account shown above. Unpaid interest compounds annually and is displayed separately. A real contract may treat pledged account value differently.
4 · Family coverage starting estimate
A needs formula—not a purchase recommendation. Budget, duration of obligations and existing insurance all matter.
Year-by-year table (scroll horizontally on mobile)
| Year | Index change | Credited interest | Hypothetical account | Loan debt |
|---|
Sources and methodology
These are not policy premiums, surrender values, actuarial projections or tax advice. Your inputs stay in your browser and are not submitted.
View full calculations and limits
Net monthly premiums add to an illustrative account before hypothetical monthly charges. A made-up index-return sequence feeds annual interest crediting using the inputs provided. Monthly charges grow annually by the chosen factor. The model stops if assumed expenses cannot be paid. Unpaid loan interest compounds annually and does not change credited interest on collateral in this simple illustration: real policies can handle collateral differently. The family need estimate is income × years + debts + education − savings − existing insurance, floored at zero. No real-world inflation, mortality, tax deductions, underwriting, dividends or insurer fee schedules are included.
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