Upload the carrier's PDF. In under 30 seconds you get an A–F design grade, an interactive client dashboard, a plain-English client letter and a polished report, with every number traced back to the carrier's own page.
Carrier illustrations are pages of columns, footnotes and codes. Clients nod along, then go home and say no, because nobody showed them what the numbers actually mean.
Agents avoid what they can't explain. When you can't tell a strong design from a weak one, you either skip the product or present something that hurts the client later.
IUL Explorer reads the illustration for you, grades the design and turns it into one screen your client can follow, so you walk in confident and they walk out understanding.
Every upload is scored out of 100 using pure arithmetic on the carrier's own rows. No opinions and no outside data. Each deduction is spelled out, so you know exactly why a design passes or fails before the client ever sees it.
What it means: the money is borrowed against the policy, so the full account value keeps compounding and nothing is reported as income while the policy stays in force.
Worth considering: spreading money across several index strategies smooths the ride. Review it with the client before presenting.
What the numbers show: $4,000 a year is 1.5% of the $271,611 the policy holds at age 65. The client saves for decades and lives on a trickle.
Why it matters: the carrier cut the premium to stay under the guideline limit. The client is putting in less than they think, which means less cash value and less income.
Something in the numbers works against the client and has to be fixed.
Not fatal, but you should understand it before you present.
Context worth one sentence with the client, so nothing surprises them later.
When an illustration grades A or B, IUL Explorer creates an official certificate of independent analysis. It's a frame-worthy, one-page PDF you can print or share with the client, proof that the design was checked before you ever presented it.
Open the dashboard on a Zoom call or across the kitchen table. Slide through the years, show what goes in and what comes out, and let the client see their policy instead of hearing about it.
The four numbers every client asks about, on one row in plain English. It also shows how the money comes back out, with honest pros and cons.
Day one: the minute the first premium is paid, the full $804,143 death benefit is in force. Protection is immediate while cash value builds over time.
The difference that makes or breaks an IUL, explained in two boxes.
Borrowed against the policy. The account keeps compounding.
Taken out of the policy. Value and death benefit shrink.
Jump to year one, 55, 65, 75, 85 or 100. Cash surrender value, account value, death benefit and premiums paid update instantly, each one cited to the carrier's page. Try it.
Cumulative premiums, account value, cash surrender value, death benefit and annual income, plotted to 65, 80, 100 or maturity. Income years show up as bars, so the client sees exactly when the money starts and stops.
Premium, cap rate, lapse, MEC and every other term on the page, each with a short definition, a full breakdown and a worked example. Searchable, and grouped by topic.
In a flexible-premium policy you can often pay more or less than planned, within limits.
Every dashboard opens with built-in IUL education, like the math of losses: a 50% loss needs a 100% gain just to get back to even.
Present live on a call or in person with the age slider and chart
A readable summary the client can take home and share
Every value cited to the page it came from
A one-page certificate of independent analysis
IUL Explorer comes with the IUL Academy, a full course for agents at every level. 12 short lessons, one idea on every screen, and a calm narrator who reads each lesson aloud and keeps going on its own, so agents can learn while they drive, walk or work.
Every lesson is narrated by a calm teacher voice with natural pauses. Pick the voice you like.
Tap a ready-made question about the slide on screen and get a deeper explanation instantly.
Quick checks after each lesson, a 15-question final test and one printable reference page.
Lessons point straight back to IUL Explorer, so agents practice on real designs, good and bad.
12 short lessons. One idea on every screen. Go at your own pace.
Listen to Lesson 1Lessons are shared with PropHog University.
The fastest way to win over a skeptical client is to prove you know the difference. IUL Explorer gives you the proof.
Upload an illustration built the wrong way. Let the client watch it grade a D or an F, and read why in plain English.
Withdrawals instead of loans, a premium the carrier had to cut, income that's a trickle. Now they know what to watch for.
Show your design grading an A, hand over the certificate and the client letter, and answer "show me the math" with the math.
How do they know what's good if you never showed them what was bad first?The IUL Explorer approach
Turn a dense illustration into the demonstration that closes, with a grade, a dashboard and a certificate to back you up.
Train a new agent in an afternoon. Put a good illustration next to a poor one and let the grade do the teaching.
Protect your agency from poorly structured IULs. Every design gets checked before it reaches a client.
Each product has its own verified reader, so the numbers are exact, not approximate.
More carriers and products are added as each one is verified.
Drop in the illustration exactly as the carrier's software produced it. Nothing is retyped or estimated.
Every table is pulled with its page number and the math is cross-checked, all in under 30 seconds.
Open the dashboard, share the letter and report, and hand over the certificate when it grades A or B.
Just the carrier's illustration PDF. Upload it and IUL Explorer does the rest: the grade, the dashboard, the client letter and the report.
The design is scored out of 100 using arithmetic on the carrier's own illustrated values. Things like taking income as withdrawals instead of loans, putting every dollar in one index, or illustrating a tiny income from a large policy all cost points, and every deduction is explained.
Any illustration that grades A or B. The certificate downloads as a one-page PDF with the insured, carrier, product, face amount, premium, grade and a unique certificate ID.
North American (Builder Plus IUL 4, Accumulation IUL), National Life Group (LSW FlexLife), F&G (Pathsetter, Quantum series), Ameritas (Growth IUL II) and Ethos (Ethos IUL). More are added as they're verified.
Yes, that's what it's built for. Present the dashboard live on a call or in person, then send the client letter and PDF report.
A 12-lesson spoken course on Indexed Universal Life that comes with IUL Explorer. Each lesson is narrated, has quick checks and a PropHog Pro helper, and the course ends with a 15-question final test and a printable reference page.
It's one of the best ways to do it. Put a well-built design next to a failing one, let the grades show the difference, then have them take the IUL Academy.
Buy now to get started today, or book a demo and we'll walk you through it. Questions? Call (937) 795-6678.
Grade your next illustration in under 30 seconds and walk into the appointment knowing it holds up.