Compare Tax-Deferred 401(k) vs. Tax-Advantaged IUL

See how the same dollars could perform in a traditional 401(k) versus a properly structured Indexed Universal Life (IUL) Bridge Plan™ — including balances at retirement, pre-tax vs after-tax income, and total taxes paid on withdrawals.

Comparison mode

Quick Inputs

Same dollars into a 401(k) and IUL Bridge Plan™ to compare chassis, with tax on the 401(k) side.

Current age

Retirement age

Your annual contribution ($) In Compare mode, these are the dollars we test in both 401(k) and IUL.

Employer match (% of your 401(k) contribution) Match applies only to the 401(k) side.

Total dollars you can save per year ($) In “Match → IUL” mode, 401(k) gets your contribution up to the match; the extra goes to IUL.

Current 401(k) balance ($)

Current IUL cash value ($)

401(k) gross return (%/yr)

IUL net crediting (%/yr)

Tax rate on 401(k) withdrawals (%)

401(k) withdrawal rate (% of balance)

IUL modeled income tap (% of value)

Model income until age We’ll simulate withdrawals each year until this age.

This calculator is for educational purposes only and does not replace a carrier illustration or individualized tax, legal, or investment advice.

Starting point Choose a mode, adjust your assumptions, and run the comparison to see how 401(k) and IUL perform side by side.

Projected Balance at Retirement

401(k)

$0

IUL Bridge Plan™

$0

Modeled Annual Income (Start of Retirement)

401(k) income (pre-tax) $0

401(k) income (after tax) $0

IUL Bridge Plan™ income (tax-advantaged) $0

Income Duration & Remaining Value

401(k) full income expected through –

IUL full income expected through –

401(k) balance at end age $0

IUL value at end age $0

Lifetime Taxes & Combined Income

Total taxes paid on 401(k) income $0

Total after-tax income from 401(k) $0

Total tax-advantaged income from IUL $0

Combined retirement income (401(k) + IUL) $0

Income Comparison

Income tab shows total modeled retirement income — 401(k) after tax vs. IUL Bridge Plan™ tax-advantaged income.

Key Assumptions & Totals

	401(k)	IUL Bridge Plan™
Years funded (to retirement)	–	–
Total contributions (you)	$0	$0
Total employer match	$0	—
Modeled income years	–	–

401(k) income is modeled as taxable withdrawals. IUL income is modeled as tax-advantaged policy loans/withdrawals from a properly structured life-insurance contract, designed to avoid MEC status and remain in force. This is not a guarantee of future performance or a replacement for a carrier illustration. Not tax, legal, or investment advice.