AegisNow Illustrations
Explore Whole Life, UL, VUL, IUL, disability insurance, long-term care and annuities, with nine sample reports, AI-assisted explanations and product-specific controls.
67 slides. Use the arrow keys or choose a chapter. Open “Read this slide” for a readable text version, including chart data.
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Context and sources
Explore indexed crediting
Change a hypothetical contract design and see how an index movement translates into a credit or segment return. This teaching tool does not generate an approved illustration.
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Fixed/indexed credit = max(0, min(index change × participation, cap)). RILA example uses 100% upside participation with a cap, and absorbs the first portion of a negative index change up to the buffer at segment maturity. Ignores charges, dividends, taxes, withdrawals and early-exit adjustments. Real contracts may use different rules. An indexed-credit floor does not guarantee the entire account balance. Values remain in this browser.
Explore a life policy funding change
This simplified account model shows why the premium pattern matters. It cannot determine contractual lapse or replace a carrier’s monthly illustration engine.
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Opening value is zero. At each year start, apply 95% of the selected premium, subtract synthetic annual charges of USD 1,200 plus USD 100 × policy year, then apply the assumed credit. Floor the teaching balance at zero. Excludes riders, surrender charges, loans, taxes, actual mortality and no-lapse guarantees. Rates are assumptions, not permitted illustrated scales. Never use this tool to quote a consumer policy.
Explore the sample reports
Illustrative examples for all seven product categories. Select a report to open its slide.