Coverage Needs Estimator for IUL Planning
Build an income‑replacement baseline, then decide how much permanent coverage makes sense.
Suggested Coverage
Why start with a baseline
IUL policies can be flexible, but the coverage amount should still align with real income‑replacement needs. This estimator gives you a starting point.
Use the estimate for planning
Once you have a baseline, you can decide how much permanent coverage to keep long term and how to fund it.
Next step
Compare IUL designs with a licensed advisor and review funding scenarios.
Next step
See IUL options that fit your baseline
Compare indexed universal life designs and funding ranges with a licensed advisor.
Not available in NY.
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Try the ToolReviewed by
Alex Morgan | Licensed Life Insurance Specialist
Alex helps clients size baseline coverage before planning IUL funding.
Last reviewed: 2026-01-02
Licensing & Disclosures
Coverage varies by carrier and underwriting. Quotes are estimates until approved.
Not available in NY.
Not available in NY.
Estimates only. IUL performance is not guaranteed. Not available in NY.