Educational Illustration - Compare Policy Types & Features
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Pure death benefit protection for a specific period (10, 20, or 30 years). Lowest cost option. No cash value.
Lifetime coverage from a mutual company. Guaranteed cash value PLUS potential annual dividends that can grow your policy over time.
Lifetime coverage with 100% guaranteed values. Lower premiums than participating whole life, but no dividend potential.
Flexible premiums and death benefit. Cash value earns current interest rates. Adjust coverage and payments as needs change.
Cash value linked to stock market index (S&P 500) with downside protection. Higher growth potential with 0% floor.
Cash value invested in sub-accounts (similar to mutual funds). Highest growth potential but also highest risk.
Permanent coverage at near-term prices. Minimal cash value but guaranteed death benefit with level premiums.
Note: GUL prioritizes death benefit guarantee over cash value accumulation
Tax-deferred growth linked to market index with principal protection. Guaranteed lifetime income options. No market loss risk.
Investment sub-accounts with income guarantee riders. Highest growth potential but also market risk. Tax-deferred accumulation.
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NOT ACTUAL INSURANCE QUOTES: This tool provides sample, illustrative quotes for comparison purposes. By using this tool, you consent to having your information shared with licensed insurance professionals who will contact you with actual quotes.
ACTUAL RATES MAY VARY SIGNIFICANTLY: Real insurance rates depend on comprehensive underwriting including medical exams, detailed health history, family medical history, occupation, hobbies, driving record, foreign travel, and other risk factors not considered in this tool.
NO INSURANCE RELATIONSHIP CREATED: Use of this tool does not create an insurance contract, bind coverage, or create any obligation. To obtain actual coverage, you must complete a formal application and underwriting process with a licensed insurance carrier.
ESTIMATES ONLY: Cash value projections, growth rates, and illustrated values are hypothetical and based on assumptions that may not reflect actual performance. Past performance does not guarantee future results.
CONSULT LICENSED PROFESSIONAL: Always consult with a licensed insurance agent or financial advisor before making insurance purchase decisions. This tool is for educational purposes and should not be used as the sole basis for financial decisions.
STATE VARIATIONS: Insurance products, riders, and pricing vary by state and carrier. Not all products or riders shown may be available in your state.