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Estimate IUL and UL premiums for Ninth Noble Marketing's family, with hypothetical index crediting from S&P 500 history.
Hypothetical percentiles for rolling periods starting since December 1990 and ending by September 2026.
| Percentile | |||||||
|---|---|---|---|---|---|---|---|
| 100th | 90th | 80th | 70th | 60th | 50th | AVG | |
| 5 Yr | |||||||
| 10 Yr | |||||||
| 20 Yr | |||||||
Click a rate to use it for the family premium estimates.
IUL planning rate: 6.50% from the 20 Yr 50th (6.58% limited)
Replays the S&P 500 price index (monthly averages, no dividends) through the crediting rules above. Data through September 2026. Past index performance does not predict future crediting.
Estimates only, not carrier quotes or policy illustrations. Premiums are the level amount that keeps each policy in force to the fund-to age, using 2017 CSO mortality and Winston's illustrative policy charges. Actual premiums, eligibility and policy values require underwriting and a carrier illustration from a licensed agent. Not tax, legal or investment advice.
Add a family member above to see their premiums, cash value, death benefit and retirement income year by year.
| Issue age | Preferred plus | Preferred | Standard plus | Standard | Substandard | Average |
|---|---|---|---|---|---|---|
| 25 | $196 | $221 | $244 | $264 | $324 | $250 |
| 30 | $239 | $271 | $300 | $325 | $399 | $307 |
| 35 | $298 | $340 | $377 | $410 | $504 | $386 |
| 40 | $383 | $438 | $487 | $531 | $654 | $499 |
| 45 | $495 | $570 | $635 | $693 | $855 | $650 |
| 50 | $647 | $746 | $832 | $909 | $1,123 | $851 |
| 55 | $851 | $985 | $1,101 | $1,204 | $1,489 | $1,126 |
| 60 | $1,139 | $1,323 | $1,482 | $1,622 | $2,012 | $1,516 |
| 65 | $1,495 | $1,740 | $1,951 | $2,137 | $2,646 | $1,994 |
| 70 | $2,006 | $2,345 | $2,638 | $2,896 | $3,598 | $2,696 |
| 75 | $2,722 | $3,202 | $3,619 | $3,986 | $4,980 | $3,702 |
| Average | $952 | $1,107 | $1,242 | $1,362 | $1,689 | $1,271 |
Average cost per policy
$1,271/mo
Across every age and health class shown
Lowest in grid
$196/mo
Age 25, Preferred plus
Highest in grid
$4,980/mo
Age 75, Substandard (table rated)
Planning-midpoint premium to keep each policy in force to the fund-to age, using the planning rate above. Coverage tops out at $3,000,000. Estimates only, not carrier quotes.