Enter your illustration

Copy the figures exactly as your document prints them. Every field has a ? explaining what it is and where to find it.

The policy

Carrier

Product name

Initial coverage amount

Issue age

Sex

Smoker status

Illustrated interest rate (%)

An assumption, not a prediction or a guarantee.

MEC status

Death benefit option (level or increasing)

From policy year

Option

Index crediting strategies

Up to two, and ideally both on the same index — we run real S&P 500 history against whatever you enter, so two strategies on different indexes cannot be compared fairly.

Capped strategy

has a maximum annual credit

Index— which index it tracks

Cap %— most that can be credited in a year

Participation %— share of the index gain you receive

Spread %— subtracted from the gain before crediting

Floor %— least that can be credited, usually 0

Strategy charge %— fee for using it, if any

Uncapped strategy (optional)

no cap; usually a participation rate below 100%, a spread, or both

Index— which index it tracks

Cap %— most that can be credited in a year

Participation %— share of the index gain you receive

Spread %— subtracted from the gain before crediting

Floor %— least that can be credited, usually 0

Strategy charge %— fee for using it, if any

Leave a whole block blank if the product has no such account — one strategy is a complete answer. Rates are percents as printed: 10.5, not 0.105.

Persistency or loyalty bonus

Rate (%)

First policy year

Leave both blank if the product has none — that is the common case.

Policy values by year

Yr	Age *	Premium *	Premium charge	Policy fee	Per $1,000 charge	Cost of insurance *	Rider charges	Other charges	Accumulated value *	Cash surrender value *	Death benefit *
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30 years shown. Columns marked * are needed; leave a year blank rather than guessing at it.

Enter your illustration

The policy

Death benefit option (level or increasing)?

Index crediting strategies?