NorthStar Financial Education GroupFINANCIAL ADVISORY · INSURANCE · RETIREMENT PLANNING

Internal Analysis Tool · 内部分析工具

Nationwide Accumulator II — IUL 费用与福利分析

IUL Cost & Benefit Analysis Tool

① IUL 演算表输入

② Term 费用输入

③ 费用分析

④ 图表

⑤ 指数策略 vs 市场

IUL 演算表数据输入 (16 列)

从 carrier illustration 选中数据区(不要含表头)，复制 → 点击第一个空白单元格 → 按 Ctrl/Cmd + V 粘贴。列标题已显示在表头，方便对齐。空行会自动忽略。

Term 报价数据输入 (4 列)

从 Term 报价中选中数据区(不含表头)，点击第一个空白单元格 → 按 Ctrl/Cmd + V 粘贴。每行 4 列：年份、年龄、最高保费、身故赔偿。

可调整参数

省税率 (Tax Rate) — 用于"省税额度"计算默认 0.20 (Excel S4 单元格)

基金管理费 (Mutual Fund Annual Fee) 默认 0.01 = 1% (Excel T4 单元格)

客户性别

身体等级

请先在 ① 和 ② 粘贴数据，然后点击 计算费用分析

请先在 ③ 完成费用分析计算

策略参数 & 起始年份

起始年份 (Starting Year) 从该年开始用 $100,000 模拟

初始投入 ($)

策略A — Floor (保底)

策略A — Cap (封顶)

策略B — Floor (保底)

策略B — Spread (利差)

设置参数后点击 计算历史表现

Important Disclosures · 重要声明

1. Authorized Use · 授权使用：This tool is intended solely for use by licensed insurance agents and brokers of NorthStar Financial Education Group as an internal analytical aid. 本工具仅供 NorthStar Financial Education Group 持牌保险代理人/经纪人作内部分析使用。

2. Not a Sales or Marketing Material · 非销售材料：This is not a client-facing presentation, sales illustration, or marketing piece, and must not be distributed to consumers or used in solicitation. 非客户面向材料，不构成销售演示或推广用途，不得对外发放或用于客户招揽。

3. Estimates Only — Carrier Illustration Governs · 仅为估算，以正式 illustration 为准：All values are computational estimates based on user-entered carrier illustration data and historical assumptions. They are not guaranteed and may differ from carrier results. The official illustration issued by the carrier shall govern in all cases. 所有数值为根据用户输入数据与历史假设的估算值，并非保证回报，可能与 carrier 实际结果不同。一切以保险公司正式 illustration 为准。

4. Local Processing — No Data Transmission · 本地处理，数据不上传：This tool runs entirely in your browser. No client data, illustration data, or input values are transmitted to any server or stored remotely. 本工具完全在您的浏览器本地运行，所有数据不上传至任何服务器，不留存于云端。

5. Historical Performance · 历史回报：S&P 500 historical returns shown are for educational illustration of index strategy mechanics only. Past performance does not guarantee future results. 显示的 S&P 500 历史回报仅用于说明指数策略机制，过往表现不代表未来结果。

6. No Tax, Legal, or Investment Advice · 非税务、法律或投资建议：The output of this tool does not constitute tax advice, legal advice, or a recommendation to purchase any specific product. Clients should consult their CPA, attorney, and licensed advisor before making financial decisions. 本工具输出不构成税务、法律或投资建议，客户在做出任何财务决策前应咨询其 CPA、律师及持牌顾问。

7. WFG Affiliation · WFG 关联：NorthStar Financial Education Group is affiliated with World Financial Group (WFG). Insurance and securities products are offered through licensed WFG-affiliated entities. This tool is independent analytical software and is not endorsed by, sponsored by, or officially affiliated with any insurance carrier referenced. NorthStar Financial Education Group 与 World Financial Group (WFG) 关联。保险与证券产品通过 WFG 关联的持牌实体提供。本工具为独立分析软件，未获本工具中提及之任何保险公司的背书、赞助或正式关联。