Is your IUL really built to max-fund?

Quickly see how efficiently your indexed universal life policy is being funded under guideline premium rules—without touching the underlying product.

✓Check if your current premiums are on track with IRC §7702 GPT.
✓See maximum allowable premiums versus what you’ve actually paid.
✓Spot underfunded or overfunded policies before they become a problem.

Run the IUL Auditor ↓

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The Bridge IUL Auditor™ is for GPT-style policies, not CVAT. It’s an educational tool only and is not a product illustration or a recommendation.

Structure & Funding Inputs

Enter your current policy values. If you don’t know an item (like GSP/GLP), your carrier can provide a “7702 guideline premium test” detail page.

First Name

Last Name

Policy Issue Date Original issue date of the policy you’re auditing.

Product Type This auditor assumes the policy is tested under the Guideline Premium Test (GPT).

Total Premiums Paid To Date

$

Include all base and dump-in premiums plus any 1035 exchange values.

TAMRA / 7-Pay MEC Premium

$

From the policy’s 7-pay/MEC test (used for context only).

Guideline Single Premium (GSP)

$

Guideline Level Premium (GLP)

$

Annual guideline level premium used in GPT testing.

Death Benefit Amount

$

Death Benefit Option

I confirm this data is approximate and agree to the Bridge IUL Auditor terms.

Educational use only. This does not replace a carrier illustration or formal tax/legal advice.

Performance Snapshot

Performance Year – N/A

Total Premiums Allowed

$0

The most you can have paid into this policy to date under the Guideline Premium Test.

Room Left To Fund

$0

Additional premium that may be available before reaching GPT limits.

Bucket Proficiency

0% Funded

Needs Attention

Represents the percentage of your allowable premium “bucket” you’ve actually filled. Higher (without overfunding) is generally more efficient.

How we compute this:
1) We calculate your policy year based on the issue date.
2) We compute total allowable premiums as max(GSP, GLP × policy year) under GPT.
3) Bucket proficiency = (Total Premiums Paid ÷ Total Premiums Allowed), rounded to the nearest whole %.

This tool is designed to help you have a better conversation with your advisor and carrier. For formal recommendations, detailed MEC testing, or illustration work, request a full carrier illustration and advanced case design review.