IUL vs. Bank Account

🛡️ Financial Shield
See where your money grows more

Compare how your savings perform in a bank account versus an IUL over the last 10 years of real S&P 500 returns.

Your Information
Average US savings account: 0.5% — High-yield savings: 4–5%
10-Year Comparison (2015–2024)
🏦 Bank Account
$0
Total accumulated
📈 IUL Policy
$0
Total accumulated
💎 Extra with IUL
$0
By choosing IUL
Year IUL Rate Bank Balance IUL Balance Difference

Why the IUL outperforms

  • 0% floor: in market crash years (2018, 2022), the IUL kept your money safe while the bank rate was already near zero
  • Indexed growth: linked to S&P 500 performance with a participation rate — real upside, no downside risk
  • Tax-free access: the cash value grows and can be withdrawn without paying income tax
  • Life insurance included: your family is protected if something happens to you during the accumulation period

These numbers are based on real historical S&P 500 returns. Ready to see what a personalized IUL could do for your specific situation?

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*Calculations use historical S&P 500 returns (2015–2024) with a typical IUL participation rate of 50% and a 12% cap. Results are illustrative and not a guarantee of future performance. JCNay Vida Team · Licensed Agent NJ #3003419400 · FL #G365745