UNDERSTAND THE CHALLENGE
The business issue
An illustration can help explain how a product may behave, but its usefulness depends on clear assumptions and a proper distinction between guaranteed and non-guaranteed elements. Better graphics should improve understanding rather than create unwarranted confidence.
PUT IT INTO PRACTICE
Make the basis visible
Show the relevant assumptions, product features and limitations in a form the intended audience can use. Keep guaranteed and non-guaranteed values distinguishable where applicable. Product-specific and jurisdiction-specific illustration requirements need specialist review; a generic chart cannot establish compliance.
Use scenarios to explain sensitivity
Where permitted and appropriate, show how changes in assumptions affect the result without implying that selected scenarios are predictions. Explain the purpose of each view. Avoid visually emphasizing an optimistic path while making important limitations difficult to find.
Control generation and communication
Version inputs and calculation rules, test representative products and retain the approved output. AI can help explain approved content but should not invent values or modify required disclosures. Advisers and authorized specialists should review the communication in the context of the customer and the product.
FROM DISCUSSION TO ACTION
A sequence your team can use
Select each stage to explore the proposed action. Adapt the sequence and controls to your business context.
Specify
Confirm product rules, assumptions and applicable requirements.
↻ Review the evidence. Learn from exceptions. Refine the next decision.
Specify. Confirm product rules, assumptions and applicable requirements.
Illustrate. Present values and sensitivities with clear distinctions.
Review. Approve the output and preserve its calculation basis.
MEASURE WHAT MATTERS
Look for evidence of improvement
Establish a baseline and agree appropriate targets. These are proposed measures, not claims of customer results.
Basis completeness
Important assumptions visible to the reader.
Calculation assurance
Outputs reconciled to approved rules.
Comprehension
Users understanding limitations and distinctions.
How Genellipse can help
Genellipse can support controlled AegisNow illustration workflows with approved calculations and clearer presentation. Cortex AI may assist explanation from reviewed material while qualified specialists retain responsibility for product and regulatory accuracy.
AegisNow can connect insurance workflows with existing administration and finance systems, while GeneData supports reconciled information and Cortex AI assists with bounded review tasks. Genellipse agrees product scope, rules and integrations with the insurer. Authorized professionals retain responsibility for underwriting, claims decisions, contractual interpretation and financial approvals.
Discuss your business challengeOffice of Insurance Innovation, GENELLIPSE
Sources & professional context
The NAIC provides US context on life insurance illustration standards. Requirements differ by product and jurisdiction; the article is not a compliance determination.
Original Genellipse editorial analysis, prepared October 10, 2026. References provide context and do not endorse Genellipse. Product scope, integrations and responsibilities are agreed for each engagement.