Honest Self-Assessment
Is indexed universal life right for you?
Not a sales quiz. Six honest questions to help you think through whether IUL fits your situation — or whether something simpler would serve you better. No numbers, no projections, no information collected.
Should you actually consider indexed universal life insurance?
Indexed universal life (IUL) is heavily marketed but works only for specific situations. The honest question is whether IUL fits your circumstances — not whether IUL is "good" in general.
This six-question self-assessment surfaces what actually drives suitability: whether you've maxed your tax-advantaged accounts, whether you have stable long-term cash flow, whether you have a genuine death benefit need, and whether your timeline matches IUL's structural requirements. If you don't fit, the tool will say so directly.
The audiences for whom IUL most often fits are high-income professionals — physicians, executives, business owners, and technology professionals with equity compensation — who have already maxed their 401(k), Roth, and other tax-advantaged vehicles and are looking for additional tax-efficient long-term growth alongside a death benefit they would buy anyway.
This tool is educational and collects no information. If it suggests IUL is worth exploring, the appropriate next step is a no-pressure consultation against actual product structures, not a sales pitch.
Six Questions
Think it through
Answer honestly. The goal is clarity, not a sale — if IUL isn't a fit, this tool will say so.
0 of 6 answered
Why No Numbers?
Why this tool doesn't project values
You'll find plenty of online tools that promise to project IUL cash value or "tax-free retirement income." We deliberately don't. Those projections rely on assumptions — caps, crediting, funding consistency — that can and do change over the life of a policy. An optimistic illustration that doesn't materialize is a common source of disappointment with IUL, which is exactly why AG 49-A/B disclosure standards exist.
Honestly, the most useful thing we can offer online is honest self-assessment, not a number that looks impressive and turns out to be fragile. If the questions above suggest IUL might fit, the next step is a real conversation grounded in guaranteed contractual values — not a web projection.
Go Deeper
Explore the mechanics
The fit assessment above is decision-oriented — a quick check on whether IUL aligns with your situation. If you want to understand how IUL actually works — the asymmetry between index returns and credited rates, how caps and floors interact, how loans behave under stress — we built a separate educational tool that walks through the mechanics on hypothetical products.
It is not a quote, an illustration, or a recommendation. It models hypothetical products to make the moving parts visible, so you can engage a real planning conversation with a clearer picture of what questions to ask.