Indexed Universal Life Loan Calculator
Disclaimer: This calculator is provided for educational and illustrative purposes only. Results are estimates based on user inputs and simplified assumptions and do not constitute financial, insurance, tax, or legal advice, nor an official policy illustration. Actual policy values and loan performance will vary by carrier and policy provisions. Please consult a licensed insurance professional for a personalized review before making any decisions.
How Does an IUL Policy Loan Work?
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An Indexed Universal Life (IUL) policy loan allows you to borrow against your policy’s accumulated cash value instead of withdrawing it. Because you’re borrowing from the insurance company using your cash value as collateral, your money can often continue earning interest according to your policy’s terms.
While policy loans can provide flexible access to funds for retirement, emergencies, or major expenses, they aren’t free. Interest accrues on the loan balance, and any unpaid loan amount may reduce the death benefit paid to your beneficiaries. If the loan grows too large and the policy isn’t properly funded, it could eventually lapse, making it important to borrow responsibly and review your policy regularly with a licensed insurance professional.
What Impacts Your Loan Amount?
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Current Cash Value
The more cash value you’ve accumulated, the more you may be able to borrow.
Loan Interest Rate
Higher interest rates increase the cost of borrowing over time.
Policy Performance
Cash value growth depends on premiums, policy expenses, and index performance.
Ready to See What an IUL Could Do for You?
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