Whole Life vs IUL: See How Your Cash Value Grows

Compare two strategies side by side. Adjust your annual contribution and time horizon. See how each product builds tax-free wealth over 10, 20, and 30 years.

Your Situation

Annual Contribution $100,000

How much you'd put into the policy each year

Funding Period 10 years

How many years you'll contribute (then let it compound)

What do you want to compare?

Key Differences at a Glance

Whole Life (Foresters)

IUL (North American)

Guaranteed cash value + dividends

Growth

Indexed to S&P 500, higher ceiling

~4% guaranteed + ~2% dividends = ~6%

Rate

0% floor, 9-12% cap, ~6.5% avg

Steady, predictable, never goes down

Volatility

Some years 0%, some years 10%+

Lower ceiling but guaranteed floor

Best For

Higher growth potential, OK with variability

Yes, via policy loans (not taxable)

Tax-Free Access

Yes, via policy loans (not taxable)

Yes, completely tax-free

Death Benefit

Yes, completely tax-free

Both Products Share the Tax-Free Triple Play

Whether you choose Whole Life or IUL, the tax treatment is identical:

Tax on Growth

Tax on Access

Tax on Transfer

These projections are estimates for educational purposes only. Whole Life assumes ~4% guaranteed growth + ~2% dividend additions (based on Foresters 2026 dividend rate of 6.00%; dividends are not guaranteed). IUL assumes ~6.5% average indexed return after policy costs (based on S&P 500 annual point-to-point with 0% floor and 10% cap; actual returns vary by year). Both products have internal costs (insurance charges, administrative fees) that reduce the effective growth rate. Actual cash values will vary based on the specific policy, your age, health classification, and current rates at time of issue. This calculator does not replace a personalized illustration from a licensed agent.

These are estimates. Want your actual illustration?

We'll run a personalized illustration based on your age, health, and exact contribution amount. You'll see guaranteed values, projected values, and policy loan income projections.

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