An IUL illustration has at least two sets of columns. One shows values on the guaranteed charges and minimum credits in the contract. The other shows values at an illustrated rate the insurer chooses within the limits of AG 49-A. The gap between them is the part that can change.
The pages below cover the rule itself and its revisions by sale date, how to ask for an in-force projection on a policy you already own, and what to check line by line.
Pages in this section
- AG 49 and AG 49-A, dated and explainedActuarial Guideline 49 caps what an IUL illustration may project. It has changed four times since 2015, most recently for policies sold on or after April 1, 2026.
- The inforce illustration, an owner's yearly checkThe illustration you signed at purchase was built on that year's rates and a premium plan you may no longer follow. An inforce illustration reruns the policy from where it stands today. For universal and indexed universal life, it is the one document that shows the year the coverage would run out.
