Life Insurance Sustainability Analytics – LISA – is a powerful, easy to use online toolset that tests Variable and Indexed Universal Life policy illustrations, providing a real-world assessment of the probability of achieving (or not) the policy owner’s expectations for the policy. Expectations like premiums, income from policy loans and death benefit amounts at critical ages cannot be tested for likely policy success or failure with just the standard industry illustration – LISA is currently the only way to obtain this policy performance risk assessment.

UL illustrations

are illusions

Relying only on universal life carrier illustrations is putting your clients at risk by creating impossible expectations. Licensed agents AND fee-only advisors, planners, trustees and lenders all make this dangerous error.

LISA tests the illustration, providing a real-world assessment of the probability of lapse, allowing you to make modifications for better client outcomes.

Do you use a sales or in-force illustration to communicate with your client’s about their policy expectations?
Unfortunately, the illustration implies 100% accuracy and gives the impression of 100% certainty.

The tool to build trust, mitigate risk and enhance your business!

Test the illustration and it’s expectations against a 1,000 potential futures

Demonstrate the policy’s success (or failure) for the assumed costs and benefits

Access unlimited ‘what if’ scenarios to manage client desired Probability of Success

Request a Free Demo

Advantages & Differentiators

The regulated illustration isn’t capable of demonstrating or explaining the deviation between the illustration projections and the more probable policy outcomes given the volatile underlying policy crediting strategies.

The bottom line: the illustration is not giving us an accurate picture of expected policy performance.

Explore with Life Insurance Sustainability Analytics – LISA:

Why “constant rate” policy illustrations can be so misleading
How to demonstrate the impact of variable crediting rates (IUL or VUL)
How to demonstrate the impact of changing non-guaranteed elements (such as Cap rates)
How to contextualize probable policy performance with estimated life expectancy

LISA Report Request

PLEASE READ PRIOR TO SUBMITTING A REQUEST FOR A LISA REPORT:

LISA provides information and analytical results, we do not sell or place life insurance policies.

LISA tests a sales or in-force Illustration of Index and Variable Universal life insurance policies.

These Illustrations project future expectations that are misleading and can never happen.

Generally, these policies credit account values by reference to market based financial instruments, yet the Illustration uses a constant crediting rate, so they must be tested for the impact of volatility to the projected values.

The illustration should be complete and current and ideally contain the following:
Loan detail pages (if applicable) and the detailed charges and credits pages (if available).

The illustration should reflect your expectations of planned premiums, income (if applicable) and death benefit.

For a limited time, use code “PROMO461” at checkout to pay only $50 for a Benchmark Report.

The LISA Report will be emailed to you within 3 – 5 business days or, if you are Registered, the LISA Report will be posted to your Dashboard.

Lisa Report Sample

Request Lisa Report

Pricing

LISA Benchmark Analysis/Report:

First one is free,
$55 per New Benchmark Analysis,
Or, $495 per month for unlimited Benchmark analyses
Annual, Group and Corporate pricing available upon request

Sales Contact

Michael Lockitch

Mike@LifeInsuranceAnalytics.com

Request a Free Demo

LISA

UL illustrations

are illusions

Do you use a sales or in-force illustration to communicate with your client’s about their policy expectations?
Unfortunately, the illustration implies 100% accuracy and gives the impression of 100% certainty.

The tool to build trust, mitigate risk and enhance your business!

Test the illustration and it’s expectations against a 1,000 potential futures

Demonstrate the policy’s success (or failure) for the assumed costs and benefits

Access unlimited ‘what if’ scenarios to manage client desired Probability of Success

Advantages & Differentiators

LISA Report Request

PLEASE READ PRIOR TO SUBMITTING A REQUEST FOR A LISA REPORT:

LISA provides information and analytical results, we do not sell or place life insurance policies.

LISA tests a sales or in-force Illustration of Index and Variable Universal life insurance policies.

These Illustrations project future expectations that are misleading and can never happen.

Generally, these policies credit account values by reference to market based financial instruments, yet the Illustration uses a constant crediting rate, so they must be tested for the impact of volatility to the projected values.

The illustration should reflect your expectations of planned premiums, income (if applicable) and death benefit.

For a limited time, use code “PROMO461” at checkout to pay only $50 for a Benchmark Report.

The LISA Report will be emailed to you within 3 – 5 business days or, if you are Registered, the LISA Report will be posted to your Dashboard.

Pricing

LISA Benchmark Analysis/Report:

First one is free,

$55 per New Benchmark Analysis,

Or, $495 per month for unlimited Benchmark analyses

Annual, Group and Corporate pricing available upon request

Michael Lockitch

lifeinsuranceanalytics.com | LinkedIn | YouTube

SSL Certificate

LISA

UL illustrations

are illusions

Do you use a sales or in-force illustration to communicate with your client’s about their policy expectations? Unfortunately, the illustration implies 100% accuracy and gives the impression of 100% certainty.

The tool to build trust, mitigate risk and enhance your business!

Test the illustration and it’s expectations against a 1,000 potential futures

Demonstrate the policy’s success (or failure) for the assumed costs and benefits

Access unlimited ‘what if’ scenarios to manage client desired Probability of Success

Advantages & Differentiators

LISA Report Request

PLEASE READ PRIOR TO SUBMITTING A REQUEST FOR A LISA REPORT:

LISA provides information and analytical results, we do not sell or place life insurance policies.

LISA tests a sales or in-force Illustration of Index and Variable Universal life insurance policies.

These Illustrations project future expectations that are misleading and can never happen.

Generally, these policies credit account values by reference to market based financial instruments, yet the Illustration uses a constant crediting rate, so they must be tested for the impact of volatility to the projected values.

The illustration should reflect your expectations of planned premiums, income (if applicable) and death benefit.

For a limited time, use code “PROMO461” at checkout to pay only $50 for a Benchmark Report.

The LISA Report will be emailed to you within 3 – 5 business days or, if you are Registered, the LISA Report will be posted to your Dashboard.

Pricing

LISA Benchmark Analysis/Report:

First one is free,

$55 per New Benchmark Analysis,

Or, $495 per month for unlimited Benchmark analyses

Annual, Group and Corporate pricing available upon request

Michael Lockitch

lifeinsuranceanalytics.com | LinkedIn | YouTube

Do you use a sales or in-force illustration to communicate with your client’s about their policy expectations?
Unfortunately, the illustration implies 100% accuracy and gives the impression of 100% certainty.