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.

Case Study - Better Guaranteed Death Benefit with a VUL than a GUL policy. It's important to work with LIR to get more options.

Before you jump at the first policy offered, it's crucial to understand the key factors behind those rosy illustrations/quotes.