This is the ONLY manual in the industry that includes illustrations for CV and another for Income, for ALL the primary IUL companies (25), for their annual pt-pt plan.  Altogether there is an anlaysis for 31 different IUL's.  PLUS there is a COLOR analysis of each IUL plan that shows what the IUL would have ACTUALLY earned year-x-year and for the past 20 years (1990 - 2009) based on its current cap and less ACTUAL Costs!  The result is a true apples apples comparison so that you REALLY compare each plan fairly and honestly!

The Illustrations are all based on Option B (Increasing) Insurance during premium stage / Maximum Funded (minimum insurance) / M50 NSP / $12,000 annnual / and matching Target

Also included are the company yearly Cost Summary and IRR report (if they will provide them).

With this result the next step is to match the 20 year CV using each company's own software - this gives us the actual Historical Illustration Rate to be used for each company!  With its almost 300 pages you get

the most comprehensive

(and ONLY) Reference Manual

of its kind in the industry! 

  99.9% of advisors - and laypeople - think they can compare Indexed Life plans by simply running an illustration using the company's default Illustration Rate (IR).  WRONG!

  The reason why you can't is because NONE of assumptions used by each company to calculate this rate are the same! 

  First, of the 25 primary IUL companies ...

              Look back 20 years: 14

              Look back 25 years:   6

              Look back 30 years:   5

  Of those that look back 20 years, 1 does so to 2007 and 3 to 2008.  The longer they look back - and the less current it is - the higher the IR will be!  A difference of just 2/10ths can make a noticeable difference - but after this and other adjustments (next) the difference in the IR can be 1.5%!

  Some also have a NON-guaranteed bonus or a participation rate other than 100%.  Plans with bucket periods (5 and 6 years) may also have Renewal Caps that can be different than the 1st year cap! Two companies have a historical rate of 7% - but their default IR is 8%!  For these reasons it is IMPOSSIBLE to compare plans based on the default IR used by each company!

  You also CANNOT compare by running them at the SAME rate either!  This is because different caps have different costs.  If you compare a 16% vs. a 12% cap, the costs for the former are higher than they would be if they were also only 12%.  Some also have an annual minimum cash value guarantee - yet others have a future bonus (guaranteed and some not guaranteed).  With different crediting moving parts, it is not possible to compare them by making just 1 part the same and forgetting the others entirely. 

  All of these IR's also are based on 1 day of the year - most are in Dec., some Jan. and one in Sept.  Even those in Dec. use a different day.  What I do in this manual - along with using the same 20 year period - is use an average of the quarterly annual gains (March 30 - March 30; June 30 - June 30; etc) for each to give a comprehensive picture of the gains over the ENTIRE year!

  The result is a comprehensive Reference Manual of almost 300 pages for 25 companies that also includes:

- phone directory

- current 1 page IRR comparison ranking chart

- 1 page IUL Features comparison with ALL companies

- S&P Historical Analysis

- S&P Historical Analysis WITH Dividends

- Morningstar Mutual Fund Expense report

- S&P and IUL Historical Running Gains Chart

   (for ALL 5, 10, 20 and 30 yr periods to 1945)

- IUL Analysis for ACTUAL Est. Cap average over 20 years!

- Sweep and Fixed account policy for each co.

- Accelerated Death Benefit chart of all co.'s

- Ratings chart of all co.'s

- Top 200 Co.'s Ranking List for IUL co.'s

- and MUCH MORE!  

  If you want to know how the companies actually compare to each other - including actual policy costs - and to be able to show your clients that your recommendation is based on actual illustrations for each company, then this Unique manual is a must have to validate that you are an 'expert' about Indexed Life and are REALLY recommending the best plan for them!

             Manual      $65

 Vinyl Notebook  +$10

[click on 'Order Info' tab]

"Nice work! That's a hell of an effort on your end putting all that together."

Alan Haft / Newport CA

"This manual is particularly effective for the seasoned agent in the field of labor to quickly establish credibility with the facts – not opinions, but the facts.  The Mutual Fund management fees and transaction costs are very illuminating, and I have not found anyone who attempts to defend them once they see the facts.  I could go on, but as I’ve come to expect, you have provided a powerful tool and thank you for your work."

Dean A. / ID

""WOW, is it
comprehensive! You did an awesome job of compiling an awful lot of statistics and info.  As for the total benefit; I believe that it will enable me to do a better job for my clients. By that I mean the products I recommend will be more appropriate in terms of performance.
There are many good products but the final returns are sometimes very different. Your work and reports make it easy to compare products in a meaningful way. I can tell you I am excited - I just ran 2 illustrations with "x" co. and they knock the socks off the company I thought was outstanding."