Ray,Thanks for going to the work... but something is awry.Without even digging in, its easy to see from the charts that, at minimum, the IUL was calculated wrong. Can you email me (or put up here via Dropbox public share, or imilar) your Excel workbook?I'll take a look, and/or build my own from scratch... but advance warning/apology that I'm particularly swamped this week, and taking the family to Mexico for a vacation next week, (with the requisite catch-up period upon return,) so it could very well be up to 3 weeks before I get to roll up my sleeves & iron this out for us all.*GAURANTEED* that I will, however... Fortunately, threads typically don't expire or disappear ;~)Dave DonhoffLeverage Planner
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