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Project cash value accumulation over time

See how cash value might accumulate year by year under assumptions you set for crediting and costs. This is a hypothetical concept projection at a flat rate — not a policy illustration, a quote, or a guarantee.

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Educational only. Not tax or legal advice. See Disclosures.

Annual premium$10,000

Years to project20 yrs

Assumed crediting rateyour assumption5.0%

A hypothetical rate you set — not a product's rate, and not guaranteed.

Assumed premium expense loadyour assumption10.0%

Share of each premium consumed by costs before it accumulates.

Hypothetical illustration — educational only

Hypothetical value after 20 years: $312,473

Any illustration or projection shown is hypothetical, is based on assumptions that are not guaranteed, and is intended solely to demonstrate how a concept may work — not to predict or guarantee actual results. Non-guaranteed values are not guaranteed and will vary. Actual results depend on the specific product, carrier, assumptions, and your circumstances. This is not an offer, a quote, or a recommendation to purchase any product.

This calculator is provided for educational and illustrative purposes only. It uses simplified assumptions, does not reflect any specific product, carrier, or your complete financial situation, and its output is not advice, a quote, an application, or a guarantee. Consult a licensed professional before making any decision.

Annuities and cash-value life insurance are long-term products with fees, surrender charges, and holding-period considerations, and are not bank deposits, are not FDIC- or NCUA-insured, and are not guaranteed by any bank or government agency. Indexed products include non-guaranteed elements — including caps, participation rates, and spreads that the insurer may change — and are not a direct investment in any index or market. Loans and withdrawals reduce cash value and death benefit and may have tax consequences. Guarantees are backed solely by the claims-paying ability of the issuing insurer. Review the carrier's product illustration and disclosure documents before purchasing.

This material is for general educational purposes only and does not constitute tax, legal, or accounting advice. Neither Tony Jones nor AnteAmbulo LD provides tax or legal advice. Please consult your own independent tax, legal, and financial professionals regarding your specific situation before making any decision.

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Educational only. Not tax or legal advice. See Disclosures.