IUL Policy Review & Funding Analyzer

1. Original Policy

Enter values from the original illustration or policy issue documents when available.

Issue agei Original death benefit / face amount ($)i Original planned annual premium ($)i Original illustrated rate (%)i

2. Current Policy

Use the latest annual statement or current in-force illustration.

Current agei Policy yeari Current death benefit ($)i Death benefit optioni Total premiums paid to date ($)i Current accumulation value ($)i Current surrender value ($)i Current planned annual premium ($)i Estimated annual policy charges ($)i Outstanding policy loans ($)i Loan interest rate (%)i Current policy statusi

3. IUL Crediting & Illustration Assumptions

These fields help explain the policy; they do not reproduce the carrier's index-crediting engine.

Current carrier illustrated rate (%)i Cap rate (%)i Participation rate (%)i Floor (%)i Conservative projection (%)i Moderate projection (%)i

4. Additional Funding / MEC Screen

The safest MEC screen uses the carrier-confirmed remaining premium room. A calculator cannot independently certify MEC status from account value alone.

One-time additional premium ($)i Additional annual premium ($)i Number of additional annual paymentsi Carrier-confirmed remaining non-MEC premium room ($)i Carrier 7-pay premium / limit ($)i Material change / benefit reduction since issue?i

5. Projection Settings

Projection scenarioi Projection end agei

POLICY HEALTH SCORE i— /100

Ready

CURRENT CASH VALUE / PREMIUMS PAID

—

A screening ratio, not an investment return calculation.

Enter the current values and run the analysis.

MEC Funding Decision

NOT YET DETERMINED

Current Policy Snapshot

Original death benefit—

Current death benefit—

Surrender / premiums—

Surrender-charge gap—

Loan exposure—

Death benefit change—

Best Recommendation

Run the analysis to generate a client-facing recommendation.

Review Flags

No analysis yet.

Projection Through Age 121

Simplified rough projection. It is intentionally separated from the MEC determination.

Continue current fundingWith additional funding

Age	Continue Current Funding	With Additional Funding	Difference

Client Disclosure

This tool is for policy education and screening. It is not an insurer-approved in-force illustration and does not calculate an official Internal Revenue Code §7702A MEC test. Actual policy results depend on policy-specific cost of insurance, expenses, crediting methodology, caps, participation rates, spreads, loans, withdrawals, death-benefit option, guarantees, material changes and carrier administration. A proposed premium should not be represented as safely avoiding MEC unless the applicable carrier has confirmed sufficient non-MEC premium room for that contribution. Obtain a current in-force illustration and carrier confirmation before making a material funding change.