Term + IUL: your family's timeline
Term carries the heavy years and steps down as the mortgage shrinks and the kids grow up. The IUL keeps going for life — funding for a while, then paying you back. Here is what all of it looks like together, year by year.
You
Term ladder
Add a layer per policy. Short, big layers cover the mortgage-and-daycare years; a longer layer stays until the kids are through college.
Face amount Length (yrs) Premium / yr
+ Add another term layer
Found in that PDF — confirm the layer
Face amount
Length (years)
Premium / year
Add this as a term layer
Multiple policies in one PDF? Pick each combination and add it, one layer at a time. Anything the PDF got wrong you can still type over above.
The IUL
Rough sketch only. Load the carrier illustration below to show real numbers.
Using the illustration. Face amount, premium, funding years and the income window all come from the PDF — these boxes are locked so nothing contradicts it. Hit “Back to the estimate” to unlock.
Have a carrier illustration? Use its real numbers
📄
Drop the illustration PDF here
or click to choose a file · it is read on this device and never uploaded anywhere
Which table?
Which column is which?
Year or age
Premium
Cash surrender value
Death benefit
Income taken (optional)
Use these numbers
No PDF handy? Paste the ledger instead — one row per year:
age, premium, cash surrender value, death benefit , plus a fifth number for income taken that year if there is one.
Spaces, tabs or commas all work. The IUL side then shows the carrier's figures instead of my estimate; your term ladder stays layered on top.
Use these numbers
Back to the estimate
Taking income later
The whole plan on one line
Left to right is your lifetime. Each bar is a policy doing its job — and showing exactly when it stops.
See every year (the full table)
Age Year Premiums in Cash value Income out Term DB IUL DB Total DB
