Free educational model

Universal life scenario lab

Change the assumptions to see how a simplified account balance could evolve. This is not a policy illustration, not a carrier quote, and not a real lapse calculation.

Enter assumptions, then run the educational model.

Annual model assumptions

Years modeled

Starting account balance (CAD)

Annual premium paid (CAD)

Assumed annual growth (%)

Insurance charges in first year (CAD)

Annual insurance charge increase (%)

Annual administration fee (CAD)

Universal life scenario lab

Annual model assumptions

Educational results