A standing question

Show a long-held IUL that beat the illustration it was sold on.

Hidden charges, a rising cost of insurance, and a lapse risk rarely show up in the sales picture. The useful test is simple: take a real contract that has been in force for a decade and compare it with the original illustration.

This page is an educational prompt, not a cash offer. If the practice later publishes a formal challenge, the terms, eligibility, and any award will be written by the owner and reviewed by counsel before they appear here.

1. 1. Find the original sales illustration and a current in-force illustration.
2. 2. Compare planned premiums, credited rates, cash value, and death benefit at the same policy year.
3. 3. If the gap is uncomfortable, book a review and bring both documents.