Single-Pay Whole Life
Tax-Free Policy Loan Calculator
Solve the death benefit from the client's age on a $100,000 single premium, then see the 95% policy loan available against accumulated cash value.
Death benefit
$211,068
Immediate, from day one
Cash value · yr 1
$79,856
Tax-free loan at 95%
$75,863
95% of cash value
Chronic illness benefit
$139,266
Projected values
Issue age 60 · premium $100,000
| Yr | Age | Cash value | Loan @ 95% | Death benefit | Chronic illness |
|---|---|---|---|---|---|
| 1 | 61 | $79,856 | $75,863 | $211,068 | $139,266 |
| 2 | 62 | $82,744 | $78,607 | $211,068 | $141,084 |
| 3 | 63 | $85,701 | $81,416 | $211,068 | $142,847 |
| 4 | 64 | $88,725 | $84,289 | $211,068 | $144,530 |
| 5 | 65 | $91,815 | $87,224 | $211,068 | $146,152 |
| 6 | 66 | $94,972 | $90,223 | $211,068 | $147,737 |
| 7 | 67 | $98,201 | $93,291 | $211,068 | $149,307 |
| 8 | 68 | $101,500 | $96,425 | $211,068 | $150,886 |
| 9 | 69 | $104,869 | $99,626 | $211,068 | $152,491 |
| 10 | 70 | $108,300 | $102,885 | $211,068 | $154,101 |
| 11 | 71 | $111,783 | $106,194 | $211,068 | $155,693 |
| 12 | 72 | $115,306 | $109,541 | $211,068 | $157,225 |
| 13 | 73 | $118,855 | $112,912 | $211,068 | $158,670 |
| 14 | 74 | $122,417 | $116,296 | $211,068 | $160,006 |
| 15 | 75 | $125,984 | $119,685 | $211,068 | $161,232 |
| 16 | 76 | $129,554 | $123,076 | $211,068 | $162,369 |
| 17 | 77 | $133,124 | $126,468 | $211,068 | $163,450 |
| 18 | 78 | $136,693 | $129,858 | $211,068 | $164,507 |
| 19 | 79 | $140,254 | $133,241 | $211,068 | $165,562 |
| 20 | 80 | $143,796 | $136,606 | $211,068 | $166,621 |
| 21 | 81 | $147,301 | $139,936 | $211,068 | $167,674 |
| 22 | 82 | $150,757 | $143,219 | $211,068 | $168,735 |
| 23 | 83 | $154,149 | $146,442 | $211,068 | $169,831 |
| 24 | 84 | $157,458 | $149,585 | $211,068 | $170,974 |
| 25 | 85 | $160,658 | $152,625 | $211,068 | $172,171 |
| 26 | 86 | $163,722 | $155,536 | $211,068 | $173,423 |
| 27 | 87 | $166,622 | $158,291 | $211,068 | $174,738 |
| 28 | 88 | $169,327 | $160,861 | $211,068 | $176,126 |
| 29 | 89 | $171,819 | $163,228 | $211,068 | $177,625 |
| 30 | 90 | $174,091 | $165,386 | $211,068 | $179,290 |
| 31 | 91 | $176,146 | $167,339 | $211,068 | $181,198 |
| 32 | 92 | $178,003 | $169,103 | $211,068 | $183,173 |
| 33 | 93 | $179,689 | $170,705 | $211,068 | $184,945 |
| 34 | 94 | $181,246 | $172,184 | $211,068 | $186,570 |
| 35 | 95 | $182,750 | $173,613 | $211,068 | $188,151 |
| 36 | 96 | $184,219 | $175,008 | $211,068 | $189,712 |
| 37 | 97 | $185,609 | $176,329 | $211,068 | $191,195 |
| 38 | 98 | $186,910 | $177,565 | $211,068 | $192,592 |
| 39 | 99 | $188,104 | $178,699 | $211,068 | $193,888 |
| 40 | 100 | $189,177 | $179,718 | $211,068 | $195,076 |
| 41 | 101 | $190,136 | $180,629 | $211,068 | $196,159 |
| 42 | 102 | $191,007 | $181,457 | $211,068 | $197,140 |
| 43 | 103 | $191,798 | $182,208 | $211,068 | $198,019 |
| 44 | 104 | $192,522 | $182,896 | $211,068 | $198,799 |
| 45 | 105 | $193,206 | $183,546 | $211,068 | $199,485 |
Values are derived from US Alliance Life single-pay whole life illustrations (underwriting class 1, male, non-tobacco) at ages 50, 55, 60, 65, 70 and 75; other ages are interpolated. Projections are limited to attained age 105. These policies are Modified Endowment Contracts — loans and distributions are taxable to the extent of gain and may carry a 10% penalty. For illustration only; not a contract, and not tax advice.