Because most "Whole Life policies" look fine on paper…
until loans and premiums collide.
Simply upload the illustration you’re considering, and we’ll show you whether it’s built to perform or quietly circles the drain under real-world borrowing scenarios.
Best for people actively considering an IBC policy or evaluating one they already own.
Is the cash value build optimized or diluted by structure?
What happens to performance when you borrow repeatedly or carry a balance?
See what an ‘optimized’ policy really looks like for your specs.
If it looks solid, we’ll tell you. If it’s flawed, we’ll show you exactly where.
Upload any ONE of the following:
The full illustration PDF you were given
(best option)
An in-force illustration ledger
(if you already own the policy)
Screenshots of the illustration through age 88-90
(we just need snips of the numbers & your rating)
4 Things You'll Get Back From Us:
A final verdict on your policy
Clear assessment of whether your policy will perform as expected
Any flagged design red flaws
Specific structural issues that could undermine performance
An optimized comparison policy
See what a properly structured policy looks like for your situation
Borrowing stress-test results
Detailed analysis of how your policy handles real-world loan scenarios
Takes ~3 minutes to submit, and we’ll email your results.
Free Analysis
To Complete
IBC Analysis