Life insurance research
Indexed universal life, explained plainly
Guides, company reviews, policy reviews and calculators, written and reviewed by licensed strategists. Honest about the costs and the risks. When you are ready, compare real illustrations for free.
Start here
The essentials: how an IUL works, what it costs and who it fits.
Company reviews
Who stands behind the policy matters for decades. Start with the carrier.
Allianz LifeAn A+ rated, German-owned annuity giant with a single IUL built for accumulation.AM Best A+
CorebridgeThe former AIG life business: two IULs, an A rating under review, and a pending Equitable merger.AM Best A
EquitableA 167-year-old insurer with one IUL, ratings on watch during its Corebridge merger, and a settled cost of insurance fight.AM Best A
F&GAn A-rated IUL carrier that publishes its own cap history, owned mostly by Fidelity National Financial.AM Best A
Global AtlanticA KKR-owned, A-rated insurer that stopped selling IUL in 2023. This page is for owners of the policies it still services.AM Best A
John HancockA highly rated Manulife carrier whose IULs are sold with the Vitality wellness program.AM Best A+
Lincoln FinancialA-rated and rebuilding capital, with a new IUL lineup and a long cost of insurance court record.AM Best A
Midland NationalAn A+ rated Sammons insurer with three IULs, a public rate page, and a live COI lawsuit.AM Best A+
Mutual of OmahaAn A+ rated, policyholder-owned group that publishes the caps it has credited on its IULs since 2016.AM Best A+Policy reviews
How specific IUL policies credit, charge and lend.
Policy reviewAccumulator Ascent IULTen index strategies and a public rate sheet, with charges you only see on an illustration.Policy reviewAllianz Life AccumulatorPublic, dated rates and low fixed loan costs, paid for with a charge on every premium.Policy reviewBuilder Plus IUL 4Interest bonuses and a bonus-earning loan, paid for with a load on every premium.Policy reviewEclipse Accumulator II IULAn accumulation IUL Securian built around low charges, with trigger and best-of accounts and a 2% lifetime interest guarantee.Policy reviewEquitable BrightLife GrowPlain indexes, a 2% fixed account minimum and a long-term care rider, but no published caps and 15-plus years of surrender charges.Policy reviewF&G PathsetterA published rate history and zero-cost preferred loans after year 10, paid for with a 9% early expense charge.
See all →Calculators
Run the numbers yourself. No email required.
See all →Comparisons
IUL against the 401(k), Roth IRA, whole life, term and each other.
See all →Glossary
Every term, in plain English.
GlossaryAG 49-AThe NAIC rule capping how optimistic an IUL illustration can be.GlossaryCap rate (IUL)The ceiling on index-linked interest an IUL segment can credit.GlossaryCost of insurance (COI)The monthly mortality charge an IUL deducts from cash value.GlossaryFloor (IUL)The minimum index credit an IUL segment can post, usually 0%.GlossaryGuaranteed columnThe illustration column built from the contract's worst-case numbers.GlossaryIllustration (IUL)The regulated projection insurers use to show how a policy could perform.
See all →Your quote
Find the policy that fits your plan.
Free. Private. No obligation. All 50 states.