Rates
How Much Does an IUL Cost?
Typical monthly funding, accumulation-designed IUL, $250,000 death benefit
An IUL is funded, not simply priced. Rather than a fixed premium, you choose a contribution level between the minimum that keeps the policy in force and the maximum the IRS allows before it becomes a modified endowment contract. The ranges below show typical monthly funding for a policy designed primarily for cash accumulation with $250,000 of death benefit.
Accumulation-focused funding
| Age | Male | Female |
|---|---|---|
| 30 | $300 – $600 | $300 – $600 |
| 35 | $350 – $700 | $350 – $700 |
| 40 | $450 – $900 | $425 – $850 |
| 45 | $575 – $1,150 | $540 – $1,080 |
| 50 | $750 – $1,500 | $700 – $1,400 |
Minimum funding to keep coverage in force
| Age | Male | Female |
|---|---|---|
| 30 | $95 – $130 | $82 – $112 |
| 35 | $118 – $160 | $100 – $137 |
| 40 | $155 – $210 | $132 – $180 |
| 45 | $210 – $285 | $178 – $242 |
| 50 | $292 – $397 | $246 – $335 |
IUL is a long-horizon contract. Illustrations are not guarantees; we always review both the illustrated and the guaranteed columns with you before you apply.
Frequently asked questions
Rates on a page are a starting point.
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