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.
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 example of a 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."