Most agents don’t show the Policy Charges & Expenses page — it’s not required to be included unless requested, and too technical to explain. Learn why consumers and professionals should get independent reviews from LifeInsuranceReview.com (LIR) before buying or recommending a policy.

Life insurance and annuity illustrations often look perfect on paper — but they’re not reality. Discover how fiduciary, fee-based reviews from California-licensed Life Insurance Analysts at LifeInsuranceReview.com protect clients and professionals from misleading projections.

Did you know that most Indexed Universal Life (IUL) policies fall far short of their original projections? Since their launch in 1997, IULs have been sold as powerful cash value accumulation and death benefit tools—but the reality often doesn’t match the glossy illustrations. That’s why state regulators keep revising Actuarial Guideline 49 (AG 49). First introduced in 2015, it became AG 49-A in 2020, then AG 49-B in 2023—with AG 49-C already on the horizon. Each new version

IUL illustrations can mislead with optimistic returns. Understand the AG 49 gap, market risks, and request an IRR report for clarity.