IUL Policy Analyzer & Grade Tool

IUL Policy Analyzer & Grading Tool

Get an honest assessment of your Indexed Universal Life policy performance and recommendations for improvement

Indexed Universal Life policies can be powerful tools—but only when structured and managed properly. Over time, market changes, cap rate adjustments, and rising insurance costs can cause your policy to underperform. Our analyzer helps you understand:

  • How your IUL's actual returns compare to projections
  • Whether your cap and participation rates are fair
  • How your current charges and fees affect long-term value
  • What adjustments could improve future performance

Key Policy Details You'll Need

To get an accurate analysis, gather:

  • Policy start date (years in force)
  • Annual premium
  • Current and illustrated cash values
  • Cap rate and participation rate
  • Monthly cost of insurance (COI)
  • Administrative fees
  • Outstanding loans (if applicable)

Then click "Analyze My Policy" to get an instant evaluation and professional recommendations.

Policy Information

Enter in years (e.g., 5 or 5.5)
How much are you paying per year?
Current death benefit on your policy

Cash Value Performance

Your current cash surrender value
What was projected for this year in your original policy illustration?

Policy Costs & Features

Maximum return your policy can earn (e.g., 10.5)
Percentage of index gains you receive (typically 100)
Check your annual statement for COI charges
Policy maintenance and administrative charges
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Policy Score: 0/100
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Recommendations for Improvement

    Important Disclaimer: This analysis is for educational purposes only and provides general guidance based on typical IUL policy standards. Every policy is unique, and this tool cannot account for all specific features, riders, or individual circumstances. For a comprehensive policy review and personalized recommendations, please contact a licensed insurance advisor.