For agents
If you sold IULs in good faith, you can still look again.
A lot of agents were trained on the illustration, not on the contract ten years later. This page is an invitation to re-check the work — not a recruiting pitch.
What if the indexed universal life contracts you placed don't behave the way they were illustrated?
Why is it rare to see a ten-year-old policy held up as proof?
Could you explain the cap, the loan mechanics, and the cost of insurance without a brochure?
A better next step
- Pull in-force illustrations for the contracts that worry you.
- Tell the client what changed, in plain language, before you talk about a replacement.
- Book a review if you want a second set of eyes on a specific policy.