Comparative Analysis

• Compare an IUL to up to three different "comparative vehicles" (CVs)
• Easy-to-use UI, create full presentations in as little as 5 minutes
• Save your favorite scenarios, insurance company profiles, and CV portfolios for fast recall in future scenarios
• Upload a PDF illustration or use a .csv, Excel or Sheets file
• Taxable, pre-tax, and non-qualified (LIFO) comparisons
• Model varying tax rates
• Long-term capital gains considerations
• Fee analysis
• Equalize required returns and distribution amounts for the CVs to match different targets achieved by the IUL
• All reports are web-based, dynamic, and easily updated in realtime. Choose only the elements you want to share in your presentation
• Easily share a web-version of your presentation with your client

Historical Simulations

Initially designed as an internal testing and compliance tool, historical simulations allows you to create a "Theoretical Synthetic Asset" (TSA) as a proxy for the IUL and perform stress tests from a historical lens to to both prove resiliency and expose potential weaknesses.

• Create an index strategy allocation with up to three index strategies, mixing and matching one, two, and three-year segment durations
• Utilize both traditional and low volatility indexes
• Create anywhere from 15 to 55-year historical rolling periods (depending on historical index data), allowing dozens to hundreds of historical rolling time periods for analysis
• Current recurring costs of insurance are increased for the purpose of adding stress and to prove validity and resiliency
• Showcase the power of index or participating loans
• Create multiple scenarios with less advantageous cap and par rates, borrowing rates, and other factors to help prove validity and resiliency
• Present the most recent, worst, median, and best case historical outcomes of the TSA as a proxy for the IUL

• Showcase the concept of popular index strategies often utilized by IULs
• Demonstrate the power of annual reset, guaranteed floors, persistency credits, and performance multipliers
• Create a mix of different index strategies with varying cap and par rates, even across one, two, or three-year strategies
• Usually navigate between different start and end years to demonstrate the potential validity of the index strategies at different points in history
• Demonstrate the potential degrading effects of negative years and taxation of a hypothetical investment directly into the indexes
• Powerful metrics such as standard deviation, Sharpe ratio, and net compound annual growth rate help tell the story

Tax Scorecard

• Quickly show the total potential taxes of a pre-tax retirement plan (401K, IRA, etc.) over a retiree's life retirement
• Demonstrate multiple tax rates
• Show potential collateral tax damage on social security
• Compare to a conversion strategy, showing the difference in total taxes for each path
• Dynamically change the inputs in realtime to showcase different scnarios

Retirement Buffer

• Demonstrate the powerful concept of using a "buffer strategy" (presumably a fixed index annuity) in conjunction with a "market only strategy"
• Compare total distributions, total value, standard deviation, and Sharpe ratios of a market-only portfolio to a portfolio with the buffer strategy included
• Show the Income Production Ability (IPA) of a income rider (both guaranteed and non-guaranteed elements) to a hypothetical portfolio using a fixed average return as well as the raw returns of the S&P 500, a 60/40, a 50/50, or 40/60 equities/bonds allocation
• Demonstrate the shortfall compared to the income rider in both dollar value and years
• Show the "success probability" of historical market returns to equal the income rider's IPA
• Show what the market portfolio would have to lower its distribution amounts to in order match to longevity of the income rider
• Show the required rate of return for the market portfolio to match the income rider's IPA