Premium financed life insurance combines an already complex insurance policy with borrowing, collateral, changing interest rates, policy assumptions, and multiple financial parties. Learn why independent analysis, stress testing, verification, and comparison can be essential before committing to a premium finance strategy.

Understanding why & how to request original & inforce illustrations is essential for anyone who owns a Whole Life or Indexed Universal Life (IUL) policy. These illustrations reveal how the policy was originally designed and how it is currently performing. By comparing the two, policyholders and professionals can identify potential issues early, verify assumptions, and determine whether the policy remains on track with its intended goals.