Insurance & Annuity Analyzer
Insurance & Annuity Analyzer
Compare different insurance and investment products to find the best fit for your financial goals. Analyze IUL, VUL, Term Life, and Annuity products side by side.
Final Values (Year 30)
Total Premiums Paid
The maximum interest rate credited to the policy, regardless of index performance.
Annual fees including cost of insurance, admin fees, and other charges.
| Product | Pros | Cons | Best For |
|---|---|---|---|
Fixed Indexed Annuity |
|
| Pre-retirees and retirees seeking guaranteed income and principal protection |
Indexed Universal Life (IUL) |
|
| Those needing life insurance with additional tax-advantaged growth potential |
Roth IRA |
|
| Long-term investors who qualify and want maximum tax-free growth potential |
401(k) |
|
| Employees with access to employer plans seeking tax-deferred retirement savings |
Traditional Brokerage Account |
|
| Investors seeking maximum flexibility and liquidity with no tax advantages |
Key Considerations When Choosing Between Products
Risk Tolerance
Annuities and IULs offer downside protection but cap upside potential. Roth IRAs and brokerage accounts offer unlimited upside but also expose you to market losses.
Time Horizon
Longer time horizons generally favor growth-oriented options like Roth IRAs. Shorter horizons may benefit from the principal protection of annuities.
Tax Situation
Consider your current and future tax brackets. Roth products are best when you expect higher future tax rates. Tax-deferred options work well if you expect lower future rates.
Legacy Goals
If leaving money to heirs is important, life insurance products offer tax-advantaged death benefits. Roth IRAs also pass to heirs tax-efficiently.
This comparison is for educational purposes only. The best financial product depends on your individual circumstances, goals, and needs. Consult with a financial professional before making decisions.
PFA (Permanent Financial Advantage)
National Life Group's flagship Indexed Universal Life product designed to provide lifetime protection with significant cash value growth potential and tax advantages.
Key Features
- Tax-free death benefit protection for your loved ones
- Tax-deferred cash value growth linked to market indexes
- Tax-free access to cash value through policy loans
- Downside protection with guaranteed minimum interest rates
- Flexible premium payments and death benefit options
- No direct exposure to market volatility
Available Riders
- Accelerated Benefits Riders (ABR): Access death benefit early for terminal, chronic, or critical illness
- Long-Term Care Rider: Provides monthly benefits for qualified long-term care expenses
- Waiver of Specified Premium: Waives premiums if you become disabled
- Additional Life Insurance Rider: Increases death benefit with term insurance
- Children's Term Rider: Provides term coverage for children
FlexLife IUL
A flexible indexed universal life policy with multiple indexing strategies and strong cash value growth potential.
- Multiple indexing strategies including S&P 500, global indices
- Guaranteed minimum interest rate of 0.25%
- Cap rates up to 13.25% depending on selected strategy
- No direct market participation or risk of loss due to market downturns
SecurePlus Elite FIA
A fixed indexed annuity offering growth potential with principal protection and guaranteed lifetime income options.
- Principal protection with no market risk
- Multiple crediting strategies linked to market indexes
- Guaranteed Lifetime Income Rider available
- 10% free withdrawals after first year
- Nursing home and terminal illness waivers
Term Life Series
Affordable term life insurance with conversion options and available riders.
- 10, 15, 20, and 30-year terms available
- Convertible to permanent insurance
- Accelerated Benefits Riders included at no additional cost
- Additional riders available for customization
Why Choose National Life Group?
Financial Strength
Over 170 years of financial stability with strong ratings from major rating agencies
Mutual Company Structure
Focused on policyholders' interests rather than shareholders
Living Benefits
Industry-leading living benefits included with many policies at no additional cost
This tool provides estimates for educational purposes only and should not be considered financial advice.
Actual product performance may vary. Consult with a licensed financial professional before making investment decisions.