Free template

Free Indexed Universal Life (IUL) Spreadsheet Template

A spreadsheet that rebuilds a real IUL illustration from its own figures, with a video that walks through it.

Rebuild your illustration

The spreadsheet rebuilds one real illustration year by year from its annual cost table: the premiums, the charges, the cost of insurance and the interest credited. It matches the illustration within 2%.

Download the spreadsheetOr make a copy in Google Sheets →
The video: IUL Explained: A Real Illustration Rebuilt in a Spreadsheet, and More

Your own illustration

The same steps on your own policy

IULCheck.com reads your illustration and does these steps for you: it rebuilds the policy year by year, checks the rebuild against the illustration, and runs the policy through markets with lower and higher credited rates.

Get 40% off the Full analysis with code YOUTUBE40.

Upload your IUL illustration

Free to upload. No payment required to see what we found.

Drop your illustration here

or click to choose a PDF, up to 25MB

Not sure what an illustration is? It’s the PDF an agent or insurer prepares for a policy, showing its premiums, charges, cash value and death benefit year by year. See an example illustration; its annual cost summary is on the last 3 pages.
Make sure to include the .
Rather not send the whole document? You can

Hiding the personal details first

Your name, address, policy number and your agent’s details change nothing in the analysis. Remove them and we never see them.

Preview, on a Mac

  1. 1.Open the PDF and choose Tools → Redact.
  2. 2.Drag across each thing you want gone.
  3. 3.Choose File → Save. The text under the bars is removed at that point, not before.

Adobe Acrobat

  1. 1.All tools → Redact a PDF → Select text & images.
  2. 2.Drag across each thing you want gone.
  3. 3.Click Apply, then save. Nothing is removed until you click Apply.

Use the Redact tool, not a drawn rectangle. A filled shape drawn over text keeps the words underneath it, where they can still be selected and copied. It looks hidden and is not.

Two to keep: your date of birth or issue age, and your risk class. Without them the analysis is built on the wrong insured — if you would rather remove those too, type just those two in on the next screen.

 first, or type the figures in yourself.

Optional

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Disclosure: I built IULCheck.com and I own it. The video and this page are education, not financial advice.