Compare different insurance and investment products to find the best fit for your financial goals. Analyze IUL, VUL, Term Life, and Annuity products side by side.
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years
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30 years
7%
Comparison Results
Cash value growth over time
Final Values (Year 30)
Total Premiums Paid
Advanced Settings
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12%
The maximum interest rate credited to the policy, regardless of index performance.
2.5%
Annual fees including cost of insurance, admin fees, and other charges.
Product Comparison
How annuities compare to other financial products
Product
Pros
Cons
Best For
Fixed Indexed Annuity
Principal protection (no market losses)
Tax-deferred growth
Guaranteed lifetime income options
No contribution limits
Creditor protection in many states
Surrender charges for early withdrawals
Limited liquidity
Potential for higher fees
Returns capped below direct market participation
Withdrawals before 59½ face 10% tax penalty
Pre-retirees and retirees seeking guaranteed income and principal protection
Indexed Universal Life (IUL)
Death benefit + cash value component
Tax-free death benefit
Tax-free loans from cash value
Market-linked growth with downside protection
No contribution limits
No income restrictions
Higher fees and expenses than pure investments
Complex product structure
Returns capped below direct market participation
Requires ongoing premium payments
Policy can lapse if not properly funded
Those needing life insurance with additional tax-advantaged growth potential
Roth IRA
Tax-free growth and qualified withdrawals
No required minimum distributions (RMDs)
Flexible investment options
Easy access to contributions
Lower fees than insurance products
Annual contribution limits ($6,500 in 2023, $7,000 in 2024)
Income limits for eligibility
No downside protection
No death benefit
Earnings withdrawals before 59½ face penalties
Long-term investors who qualify and want maximum tax-free growth potential
401(k)
High contribution limits ($22,500 in 2023, $23,000 in 2024)
Employer matching contributions
Tax-deferred growth
Automatic payroll deductions
Loan provisions in many plans
Limited investment options
Required minimum distributions (RMDs)
Withdrawals taxed as ordinary income
Early withdrawal penalties before 59½
No downside protection
Employees with access to employer plans seeking tax-deferred retirement savings
Traditional Brokerage Account
No contribution limits
No withdrawal restrictions
Complete investment flexibility
Preferential capital gains tax rates
No income restrictions
No tax advantages for contributions
Taxable dividends and capital gains
No downside protection
No death benefit
No special creditor protections
Investors seeking maximum flexibility and liquidity with no tax advantages
Key Considerations When Choosing Between Products
Risk Tolerance
Annuities and IULs offer downside protection but cap upside potential. Roth IRAs and brokerage accounts offer unlimited upside but also expose you to market losses.
Time Horizon
Longer time horizons generally favor growth-oriented options like Roth IRAs. Shorter horizons may benefit from the principal protection of annuities.
Tax Situation
Consider your current and future tax brackets. Roth products are best when you expect higher future tax rates. Tax-deferred options work well if you expect lower future rates.
Legacy Goals
If leaving money to heirs is important, life insurance products offer tax-advantaged death benefits. Roth IRAs also pass to heirs tax-efficiently.
This comparison is for educational purposes only. The best financial product depends on your individual circumstances, goals, and needs. Consult with a financial professional before making decisions.
National Life Group Products
Explore premium insurance and financial products from National Life Group
PFA (Permanent Financial Advantage)
National Life Group's flagship Indexed Universal Life product designed to provide lifetime protection with significant cash value growth potential and tax advantages.
Key Features
Tax-free death benefit protection for your loved ones
Tax-deferred cash value growth linked to market indexes
Tax-free access to cash value through policy loans
Downside protection with guaranteed minimum interest rates
Flexible premium payments and death benefit options
No direct exposure to market volatility
Available Riders
Accelerated Benefits Riders (ABR): Access death benefit early for terminal, chronic, or critical illness
Long-Term Care Rider: Provides monthly benefits for qualified long-term care expenses
Waiver of Specified Premium: Waives premiums if you become disabled
Additional Life Insurance Rider: Increases death benefit with term insurance
Children's Term Rider: Provides term coverage for children
FlexLife IUL
A flexible indexed universal life policy with multiple indexing strategies and strong cash value growth potential.
Multiple indexing strategies including S&P 500, global indices
Guaranteed minimum interest rate of 0.25%
Cap rates up to 13.25% depending on selected strategy
No direct market participation or risk of loss due to market downturns
SecurePlus Elite FIA
A fixed indexed annuity offering growth potential with principal protection and guaranteed lifetime income options.
Principal protection with no market risk
Multiple crediting strategies linked to market indexes
Guaranteed Lifetime Income Rider available
10% free withdrawals after first year
Nursing home and terminal illness waivers
Term Life Series
Affordable term life insurance with conversion options and available riders.
10, 15, 20, and 30-year terms available
Convertible to permanent insurance
Accelerated Benefits Riders included at no additional cost
Additional riders available for customization
Why Choose National Life Group?
Financial Strength
Over 170 years of financial stability with strong ratings from major rating agencies
Mutual Company Structure
Focused on policyholders' interests rather than shareholders
Living Benefits
Industry-leading living benefits included with many policies at no additional cost
National Life Group Quote Request
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This tool provides estimates for educational purposes only and should not be considered financial advice.
Actual product performance may vary. Consult with a licensed financial professional before making investment decisions.