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Illustration Analyzer

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Illustration Analyzer Instructions

  1. Enter the data from your illustration in the cells below. Cash-values and death benefits should be end-of-year figures. Premium is the amount paid out-of-pocket during the year. (See examples below.)
  2. Enter the following five questions:
    a. What is the insured's age in the first year of the illustration?

    b. What is the insured's gender?

    c. What is the interest or dividend rate used to create the illustration?

    d. Is this a New or Existing In-force policy?

    e. If the policy is an Existing In-force policy, please provide prior year-end's cash-value?

  3. Click Submit and the Analyzer will instantly process your data and provide you with analysis as shown in the Policy Disclosure spreadsheets.
  4. Any questions, please contact


There are errors in your form, please see below for details.

Gender Male Female
Rate (Enter like this 5.45%)
Policy Status New Existing In Force

Years Death Benefit end of year Annual Premium Surrender Cash-Value end-of-yr
1 [Auto fill] [Auto fill]

Example of New Policy Shown Below

For the abridged policy illustration below, the cash-value data entered in years 1, 2, and 3, etc. would be 408, 5134, and 10403.
The death benefits data for years 1, 2, and 3, etc. would be 251000, 254000, & 258000 (Note, it is fine to round-off insurance to closest $1000 amount.)
The premium would be 6225 (If the illustration shows different payments for various years or zero in some years, be sure to properly enter the premium data.)
The insured's age and gender are 53 and male.
The dividend or interest rate would be 6.25% (often this must be obtained from an agent or by contracting if it is not shown on the illustration page.
This is an illustration for a new policy, so specify such. Alternatively, one can indicate that it is an in-force policy but with prior cash-value of zero. That makes sense, right?

$250,000 Whole Life
Dividend Rate 2010 Scale = 6.25%
For Male Age 53
  1 2 3 4 5 6 7 8
Year Insur'nce Dividend Annual Prem. Cash Value Incr'se CV Incr'se Less Prem. Total Prem. Outlay ----- Cash Values ---
1 251,425 408 6,225 408 (5,817) 6,225 408 0
2 253,954 754 6,225 4,726 (1,499) 12,450 5,134 3,955
3 257,582 1,127 6,225 5,269 (956) 18,675 10,403 8,048

Example of Existing Policy

For the abridged policy illustration below the cash-value data entered in years 1, 2, and 3 would respectively be 122082, 131897, and 141924 The death benefits data for years 1, 2, and 3, etc. would be $1 million in all years

The premium would be 9800, 9500 and then 9100 etc. (shown being paid in all years)

The insured's current age and gender are 57 and male.

The dividend or interest rate would be 5.45% (often this must be obtained from an agent or by contracting if it is not shown on the illustration page.)

Because this is an illustration for in-force policy, it is necessary to specify the cash-value for the year prior to the first illustrated year, which in this case was 113850 (Number typically not shown in in-force illustrations so must be obtained from the insurer or agent or by estimating such. Note: An underestimation of the prior year-end cash-value will result a low calculation of the policy's cost in the first illustrated year. )

10 Year Old Universal Life Policy - issued 2000
Insured Current Age 57 - Male
Insurer's Current Crediting Interest Rate 5.45%
Age Policy Yr Currently Planned Premiums Policy Value Cash- Surrender Value Death Benefit
57 10 9800 137,127 122,082 1,000,000
58 11 9500 142,937 131,897 1,000,000
59 12 9100 149,969 141,924 1,000,000
60 13 8500 156,218 152,173 1,000,000
61 14 7900 164,832 162,663 1,000,000
62 15 7300 173,399 173,399 1,000,000


  1. For illustrations built with a basic interest rate and a second, bonus interest rate, contact Breadwinner's founder, Brian Fechtel, for an excel spreadsheet to analyze such.
  2. On illustrations with both a surrender value and a policy/account value, be sure to consistently enter one or the other as data for the Illustration Analyzer. See Policy Disclosure for more information about this subject.
  3. Most illustrations list cash-value and death benefits for each year as of year-end values. Some illustrations, however, list cash-value figures as of year-end, while listing death benefits as of the year-start. In illustrations where death benefits are as of the start of the year, use death benefits from illustration for years 2-21; cash-value data would, of course, remain for years 1-20.
  4. If one doesn't know the precise interest or dividend rate, one can estimate it, but then must use the calculated values with the inherent caution that an underestimation of the illustration's rate leads to an underestimation of the calculated costs, and vice versa. For more information about such please contact