Explain IUL So Clients Actually Understand
Upload any IUL illustration. Get AG 49-A illustration checks and a client-ready explainer in minutes.
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AI-Powered IUL Analysis
Key Metrics
Risk Flags
How the IUL Engine Helps You Sell
Upload Any Illustration PDF
Drag and drop any carrier IUL illustration. The engine parses tables, riders, fees, and projections automatically.
AI-Powered Analysis
Instant breakdown of cap rates, participation rates, floor guarantees, fees, and projected values — in plain English.
AG 49-A Validation
Every analysis screened against AG 49-A-aware checks. Illustrations with prohibited language are flagged before you present them.
Risk Flag Detection
AI identifies unrealistic assumptions, hidden fees, lapse risks, and suitability concerns automatically.
Client-Ready Report
Generate a branded, jargon-free report your client can actually understand — with advisor and client versions.
Carrier Comparison
Compare illustrations from multiple carriers side by side. See which product best fits your client's goals.
Close the Deal
Use AI to Build Your IUL Presentation
Turn your IUL analysis into a compelling client presentation — with compliance-checked talking points, visual comparisons, and branded materials.
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Frequently Asked Questions
Yes. The engine parses illustrations from all major IUL carriers including Pacific Life, Nationwide, Lincoln Financial, North American, Securian, and more. Carrier-specific parsing rules are updated monthly.
The engine captures the carrier's own AG 49-A attestation from the illustration, screens the narrative for prohibited illustration language, and injects the required disclaimers with version IDs. Findings are flagged with specific regulation references. CoverAgent does not certify AG 49-A compliance and does not replace actuarial or compliance review.
Yes. You can generate two report versions: an advisor report with full technical detail, and a client-friendly version with plain-English explanations. Both can be branded with your agency logo and shared via secure link or PDF.
Most illustrations are fully analyzed in under 2 minutes. Complex illustrations with multiple riders or carrier-specific formats may take up to 3 minutes. Results are cached so re-accessing is instant.
Ready to simplify IUL for your clients?
Book a demo and upload a real illustration — see the AI analysis live.