Most illustrations are run at the maximum rate regulation allows. I run yours twice: once at the target rate, once stress-tested at 5% flat — across 2–3 carriers matched to your age and goal. If the design only works in the fantasy column, I'll tell you.
RUN MY NUMBERS →Takes about a minute. A few basics help me quote your accurate rate class — delivered within one business day.
NO SPAM. NO PRESSURE. NO SHARING YOUR INFO. YOU'LL GET REAL CARRIER ILLUSTRATIONS AND MY HONEST READ — INCLUDING "THIS ISN'T RIGHT FOR YOU" IF IT ISN'T.
HYPOTHETICAL CAPPED POINT-TO-POINT STRATEGY. IN THE DOWN YEARS, CREDITED INTEREST HOLDS AT 0% — POLICY CHARGES STILL APPLY. THAT NUANCE IS ON EVERY ILLUSTRATION I SEND. RATES ARE NOT GUARANTEED.
Every illustration comes with a conservative-rate version alongside the target rate. If the policy fails at 5%, we redesign — or I tell you to walk.
Allianz, Pacific Life, North American and others — matched to your goal, not to whoever pays the highest commission this quarter.
Accumulation policies built at the lowest death benefit the IRS allows for your premium — the design that maximizes your cash value, not my paycheck.
An IUL is the right tool for a specific person: qualified accounts maxed, consistent surplus, a 15-year horizon. If that's not you, your illustration will come with a note saying so — and what I'd do instead.
“If it only works in the fantasy column, it doesn't work.”