Life Analyzer ©

Life Analyzer's© breakthrough methodology calculates the true Cost of Insurance (COI) for Universal Life (UL) and Variable Universal Life (VUL) policies/illustrations. The projected assumptions of COI's represent the major component of policy risk; market return on cash value represents the secondary component of risk. Illustrations and policy statements do not fully disclose these projected assumptions. In fact, there is so much vital information omitted, FINRA prohibits broker dealer representatives from using illustrations for comparison or analysis.

The copyrighted calculations of the Life Analyzer© allow you to reverse engineer the data presented for a true peek into the proverbial Policy Illustration Black Box. In addition, the Life Analyzer© allows you to select a market index of model portfolios for VUL policies and view Historical Back Testing scenarios of market cycles as far back as 1926. To view our demo, go to the following link: Life Analyzer©

While the "fiduciary" issue is swirling around us, can any advisor be challenged whan a policy doesn't perform, because as an advisor, we knew the data illustrated was inaccurate? Will the numerous vague caveats provide for us a strong defense?

Both the UL and the VUL are great planning tools - but the advisor has to know how to design the premium, which requires knowledge of projected costs. With the Life Analyzer©, the advisor can develop and present the proposal in the way "it" may function and perform in the real world - or - the advisor can see why a proposal is doomed to fail due to a low probability of policy continuance because future COI's are not sustainable as illustrated.

There are two ways that you can obtain the report generating benefits of this proprietary system:

• Become a Licensed User,

  which allows you to download the system and use it as often as you wish. The First Year Subscription Rate is $1,199; annual license renewals are $799.

For more information on Becoming a Licensed User, please call (888) 854-0931 or Contact Us.

• Life Analyzer© Reporting Service:

  Sample Life Analyzer Report
  Execute a Facilitation Agreement, which requires an initial set up fee of $200. This allows you to request a Life Analyzer© Report upon submission of any proposed policy illustration or in-force policy illustration. (Your reports will be just like the one shown in the Life Analyzer© video.)

See the fee schedule below for rates based on the type of policy illustrations you provide.

Fee Schedule (Policy Style Submitted / Price per Illustration):

• Universal Life (UL) / $250
• Survivorship Life (SUL) / $350
• Variable Universal Life (VUL) / $500
• Survivorship VUL (SVUL) / $600
• Guaranteed No-Lapse UL / $250
• Guaranteed No-Lapse SUL / $350

For more information on the Reporting Service email fiduciarycare@aol.com with "Life Analyzer© Report" in the subject line. You will receive a facilitation agreement and report request form for policy illustration submissions.

See also: Bob Veres Inside Information Article on the Life Analyzer©