Find out exactly how much coverage you need — or how much you can grow tax-free with an IUL — before you talk to an agent.
Uses the DIME method: Debt + Income replacement + Mortgage + Education — minus current assets.
Based on replacing 10 years of income, paying off your mortgage and debts, funding education and final expenses — minus existing assets.
Estimate only. Actual recommendation depends on age, health, dependents, state of residence, and goals. A licensed Flo Faction agent can refine this in a 15-min call.
Healthy non-tobacco rates from our top carriers. Premiums are estimates — your final rate depends on underwriting.
For the selected combination. This is a market-average estimate — your final rate depends on a brief application and possibly a paramedical exam.
| Term | Annual | Monthly |
|---|---|---|
| 10-year | $240 | $20/mo |
| 20-year | $336 | $28/mo |
| 30-year | $528 | $44/mo |
Estimates based on industry-average rates for the selected health class & tobacco status, not a specific carrier quote.
If illness or injury kept you from working, how much income would you need replaced — and how much would your employer's plan actually cover?
Difference between what you need to cover bills and what your employer plan would replace. A disability policy fills the gap.
1 in 4 workers will experience a disabling event before retirement (Social Security Administration). Most employer plans replace only 40–60% of base salary and don't cover bonuses.
See how a Max-Funded IUL can generate tax-free retirement income with a 0% market-loss floor. Assumptions stated below.
Index-linked. 0% floor (no market losses); cap typically 9-12%.
Tax-free annual retirement income from policy loans against accumulated cash value, withdrawn over your selected income window.
Hypothetical illustration based on assumed crediting rate. Actual results vary by carrier, index performance, and policy structure. Not a guarantee. Always consult a licensed agent and review an in-force illustration before purchase.