Free IUL Assessment: Is Indexed Universal Life Right for You?

What is your age?

IUL policies work best for certain age ranges and long-term planning horizons.

Under 40

Maximum time for growth and wealth accumulation

40-55

Strong position for retirement planning

56-65

Still suitable with adjusted expectations

Over 65

May require alternative strategies

How would you describe your current health?

IUL is a life insurance product, so insurability is important.

Excellent

No health issues, very active

Good

Minor manageable conditions

Fair

Some health challenges

Poor

Significant health issues

What is your primary financial goal?

Understanding your objectives helps determine if IUL is the right tool.

Tax-Free Retirement Income

Supplementing retirement with tax-free distributions

Wealth Transfer/Legacy

Leaving a tax-free inheritance to beneficiaries

Both Income & Legacy

Retirement income with remaining death benefit

Short-Term Savings

Need access to funds within 5 years

What is your investment time horizon?

IUL policies require a long-term commitment to maximize benefits.

15+ Years

Ideal timeframe for IUL growth potential

10-15 Years

Good timeframe with proper structuring

5-10 Years

May not optimize IUL benefits

Under 5 Years

Too short for IUL strategy

What monthly premium can you comfortably afford?

IUL policies require consistent premiums to build cash value effectively.

$500+ per month

Excellent for maximizing cash value growth

$300-$500 per month

Good foundation for IUL strategy

$150-$300 per month

Minimum for effective IUL coverage

Under $150 per month

May be better suited for other options

Do you need life insurance protection?

IUL provides both cash value growth and a death benefit for beneficiaries.

Yes, It's Critical

I have dependents who rely on my income

Yes, It's Important

I want to leave a legacy for my family

Nice to Have

Not my primary concern but a bonus

Not Needed

I'm mainly focused on retirement savings

What is your risk tolerance for investments?

IUL offers market-linked growth with downside protection (floor).

Conservative

I want to protect my principal above all

Moderate

I want growth with some protection

Aggressive

I'm comfortable with market volatility for higher returns

Very Conservative

I cannot afford any losses

Do you currently maximize contributions to your 401(k) and IRA?

IUL works best as a supplement to traditional retirement accounts.

Yes, Both Maxed Out

Looking for additional tax-advantaged options

Contributing to Some

Have retirement accounts but not maximizing

Just Starting

Beginning my retirement planning journey

No Current Contributions

Not yet contributing to retirement accounts

How important is access to your funds in the next 10 years?

IUL policies have surrender charges and work best when left untouched initially.

Not Important

I have adequate emergency funds and other liquid assets

Somewhat Important

I may need some access but have other reserves

Important

I may need access to funds for major expenses

Critical

I need regular access to my savings

What is your current tax situation?

IUL provides tax-free access to cash value through policy loans.

High Tax Bracket

Looking for tax-advantaged strategies (28%+ federal)

Moderate Tax Bracket

Interested in tax efficiency (22-24% federal)

Low Tax Bracket

Taxes are not my primary concern (12% or lower)

Expect Higher Taxes in Future

Income will increase significantly

Is an Indexed Universal Life Policy Right for You?