No Pitch. Just the Math.

Run your own numbers.

Every tool below does what a brochure won’t: it takes your inputs, shows both columns, cites the statute, and tells you when the boring answer wins. Because the fastest way to earn your trust is to publish the math everyone else hides.

Compare & Decide

CentraLife methodology

Policy Architecture

Define, compare, stress-test, coordinate, and review the contract—with a three-minute assessment that identifies the right first question.

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Interactive calculator

Coverage Need Calculator

Estimate the obligations a death benefit may need to finish, then subtract available liquid resources and existing coverage.

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Interactive stress test

IUL Stress Test

Change crediting, charges, funding duration, and loan assumptions to see why the weak scenario matters more than the headline.

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Interactive comparison

IUL vs 401(k)

Same monthly dollars, two tax structures — with the tax-drag number your 401(k) statement never shows. Run it on your own assumptions.

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Interactive comparison

IUL vs Roth IRA

Both are after-tax in, tax-free out — the difference is the IRS ceiling. Model what happens to the dollars that overflow the Roth limit.

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Interactive calculator

Tax-Free Retirement Calculator

You planned a retirement number — did you plan the tax on it? See what your income goal has to gross from each tax bucket, and the lifetime difference.

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Interactive comparison

Mortgage Protection vs Home Equity

What your payment actually builds — the bank’s balance sheet or your family’s. Plus the three products everyone confuses, sorted with CFPB citations.

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Decision tool

Annuity Review: Keep, Fix, or Convert

Three questions to your likely path — §1035 exchange, staged Roth conversion, or keeping exactly what you have. Sometimes the answer is keep it.

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Methodology · no ranking

How to Compare Life Insurance Carriers

The six dimensions carriers should be judged on, fit organized by your objective, our appointed roster disclosed, and a 10-step due-diligence checklist you can verify yourself.

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Understand the Design

Design mechanics

Max-Funded IUL & the MEC Line

The 7-pay test, the two §7702 tests, and the funding-pace visualizer — the design rules almost nobody publishes, with statute links.

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The mechanism

How Policy Loans Actually Work

Wash vs participating loans, why the IRS doesn’t tax them — and the spiral visualizer showing exactly how a neglected loan lapses a policy.

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Honest numbers

What IUL Really Earns

Realistic caps, participation rates, and charges back-tested against 30 years of real market history — next to the glossy illustrated column.

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Original analysis · 2026 edition

The Michigan Coverage Gap

An estimated 3.9 million Michigan adults have no life insurance. Our annual derivation from LIMRA and Census data — every source shown, every estimate labeled.

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Max-Funded IUL Authority Library

The contract mechanics behind the headline.

Primary-source guides to illustration rules, tax qualification, policy replacement, MEC correction, benefit changes, and loan-driven lapse risk.

MEC Correction

Can an Accidental MEC Be Corrected?

Learn the limited correction paths for an inadvertent Modified Endowment Contract, including the 60-day excess-premium rule and carrier-led IRS relief.

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Illustration Audit