How to Read an IUL Illustration
Separate guaranteed values from hypothetical assumptions before comparing designs.
The planning principle
An illustration contains both guaranteed and non-guaranteed values. Compare funding assumptions, crediting assumptions, charges, death-benefit options, and lower-performance scenarios rather than focusing on one projected cash-value or income number.
What to review
Start with the financial objective, then compare contract provisions, affordability, guarantees, non-guaranteed elements where applicable, and the consequences of changing the plan later. Product availability and underwriting vary.
Use the complete planning guide.
The main topic page includes a worksheet and comparison questions to use before a coverage conversation.
Get the Free GuideEducational information only. This page is not tax, legal, investment, or individualized insurance advice. Review actual carrier and policy materials before making a decision.