Life Analyzer's™ breakthrough methodology calculates the true Cost Of Insurance for Universal and Variable Life policies. For VUL policies, it allows you to select a market index of construct model portfolios for Historical Back Testing. The copyrighted calculations provide a true peek into the proverbial Policy Illustration Black Box to give you control of your analysis.

Fact:

1. Every advisor knows (or should know) that the illustration calculates the assumed rate-of-return (ROR) on a basic compounding of a static percentile. For example, if the illustration assumes a Net ROR of 8.95%, the internal calculations of the software compounds the cash value as you would with a compound interest rate chart.
2. Every advisor admits that this is inaccurate, since the market does not perform that way.
3. Illustrations require a “worst scenario” calculation based on a Zero (-0-) market performance (with maximum contract charges) as a “static flat” scenario.
4. Every advisor admits that this is inaccurate, since the market does not perform that way. In reality, the “worst scenario” is when a market has experienced negative periods.

With the “fiduciary” thing hanging over our head or designation, what are we to do? Can any of us be challenged when a policy doesn’t perform because we, as advisors, knew the data was inaccurate in the illustration? Can we point to the many vague caveats as a defense?

Consider:

1. The VUL is sold as a concept, supported by an illustration.
2. The Illustration is a “Point-of-Sales” tool.
3. The client has to sign-off on the illustration and all of the (often brushed aside) caveats.
4. We have also actively used these illustrations for comparison purposes or to quasi-analyze different policies.

In regard to the” illustration”, we have all either sold “it”, recommended “it”, analyzed “it”, made money on “it”, had “forums” and discussions on “it” or written about “it”. Consumers ask us for “it”. And up until now, we were compromised by “it”.  

The VUL is a great planning tool. Now the advisor can develop and present a VUL in the way “it” may function and perform in the Real World of market cycles!!!

This system can be used for VUL Single and Survivorship Life and UL Single and Survivorship Life. 

The deliverables for licensees are as follows:

1. Provides fiduciary process for life policy analysis and/or presentation.
2. Establishes distinction and differentiation of advisor/firm from others.
3. Creates a unique “branding” opportunity for the advisor/firm.
4. Establishes credibility for Risk Management beyond that offered by competitors.
5. Initiates additional fee revenue and transfer of assets.
6. Powerful cultivation for Centers-of-Influence.
7. Geographical territorial protection of exclusivity.

Buy Life Analyzer™ now - $1,500.00 (First year subscription. $799.00 per year for license renewals. Product will be available for download shortly after purchase is processed. Activation key will be delivered via email.)

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