IUL Projection Configurator

Client

Issue Age (Starting age for all calculations; affects COI rates and DB corridor.) Gender Male Female (May affect COI rates if product is gender-distinct.) Rate Class (Impacts COI rates if product supports multiple classes.)

Policy

Initial Face Amount (Sets base death benefit; affects COI, DB, and corridor.) Death Benefit Option A (Level) B (Increasing) (A: DB = Face; B: DB = Face + AV. B increases DB and COI.) Policy End Age (Projection ends at this age; no further charges or credits.)

Funding

Monthly Premium (Drives AV growth; subject to premium load and charges.) Annual Premium Outlay (For reporting; actual funding is by monthly premium.) Funding Start Year (First year premiums are paid.) Funding End Year (Last year premiums are paid.) Premium Stop Year (Year after which no premiums are paid; for reporting.)

Accumulation

Weighted Avg Interest Rate (%) (Credited to unloaned AV; drives AV growth.) Current Par Rate (For reporting; not directly used in engine.) Guaranteed Min Interest Rate (%) (Minimum credited rate if WAIR is zero.) Asset Charge Annual (%) (Deducted monthly from AV; reduces growth.) Surrender Charge Period End (Last year surrender charges apply.)

Loan

Illustrated Loan Rate (%) (Affects loan balance and collateral AV crediting.)

Distribution (LIBR)

LIBR Start Year (Year income phase begins; planned income loaned from AV.) Planned Annual Income (Loaned from AV during income phase; drives loan balance.)