Age
Gender	Male Female
Rate	(Enter like this 5.45%)
Policy Status	New Existing In Force
Prior Cash Value of the In Force Policy

Years	Death Benefit end of year	Annual Premium	Surrender Cash-Value end-of-yr
1	[Auto fill]	[Auto fill]
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20

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 BreadwinnersInsurance.com 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?

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 BreadwinnersInsurance.com 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 BreadwinnersInsurance.com.