IUL Stress Test
What if the illustration is too optimistic?
Change the crediting rate, funding duration, charges, and loan assumptions. This simplified model shows sensitivity—it is not a carrier illustration, policy projection, quote, or guarantee.
The model applies a constant annual credit after premium, subtracts a flat annual charge, and compounds loan interest. Real policies use monthly charges, changing cost of insurance, contract-specific crediting and loan mechanics, surrender charges, death-benefit tests, and other variables.
Illustrated path · year 30 net
$477,187
Stress path · year 30 net
$200,521
Illustrated assumptionStress assumption
Request a contract-specific review What to request from the actual carrier
- Guaranteed, current, and lower-crediting in-force illustrations.
- Year-by-year charges and the maximum contract charges.
- Current cap, participation, spread, and bonus mechanics—and what can change.
- Fixed vs participating loan terms, loan rate, and treatment of borrowed value.
- Premium needed to maintain the original objective under each scenario.
- Lapse year, surrender value, death benefit, and tax consequences with loans.