Guides

Short guides for agents on reading and comparing universal life and IUL illustrations.

• How to compare IUL illustrations from different carriers
  A practical checklist for putting indexed universal life illustrations from different carriers side by side without comparing unlike numbers.
• Guaranteed vs non-guaranteed values in a life insurance illustration
  What the guaranteed and non-guaranteed columns in a universal life or IUL illustration assume, and how to explain the difference to a client.
• How to read an IUL illustration ledger
  A column-by-column guide to the year-by-year table in an indexed universal life illustration: premium, loans, account value, surrender value and death benefit.
• AG 49-A in plain English: how IUL illustrated rates are limited
  What Actuarial Guideline 49 and 49-A limit in indexed universal life illustrations, and what that means when you compare carriers.