Explain IUL So Clients Actually Understand
Upload an IUL illustration. Get AG 49-A-aware checks and a client-ready explainer.
Product preview (sample data)
AI-Powered IUL Analysis
Key Metrics
Risk Flags
How the IUL Engine Helps You Sell
Upload an Illustration PDF
Upload a carrier IUL illustration PDF. The engine parses tables, riders, fees, and illustrated values as a tracked background job.
Plain-Language Breakdown
A plain-English breakdown of cap rates, participation rates, floor rates, fees, and illustrated values.
AG 49-A Attestation Capture
Captures the carrier's own AG 49-A attestation from the illustration and screens prohibited language — CoverAgent does not certify AG 49-A rate benchmarks.
Risk Flag Detection
Deterministic risk checks flag rates illustrated above the cap, aggressive loan distributions, early or mid-term lapse, long surrender periods, and underfunding for your review.
Client-Ready Report
Generate a branded, jargon-free report your client can actually understand — with advisor and client versions.
Multi-Illustration Review (Beta)
Review key extracted fields across illustrations when multiple uploads are available. This comparison view is in Beta.
Close the Deal
Use AI to Build Your IUL Presentation
Turn your IUL analysis into a client presentation, with compliance-screened talking points and branded materials.
Frequently Asked Questions
The engine is designed to parse carrier IUL illustration PDFs, but layouts vary by carrier. Always check extracted figures against the original illustration before using them with a client.
The engine captures the carrier's own AG 49-A attestation, runs CoverAgent Level B guardrail screening (illustrated rate vs cap and platform ceiling), screens prohibited illustration language, and injects required disclaimers with version IDs. Findings are flagged for human review. CoverAgent does not certify AG 49-A compliance and does not replace actuarial or compliance review.
You can generate advisor and client HTML/PDF reports in the portal, plus mint a tokenized client share link (/r/iul/…) that does not require login. Advisor portal links still require authentication.
After upload, the illustration moves through parsing and analysis as a tracked background job, and a recovery scheduler retries work that stalls. You can see its status in the portal; processing time depends on the document.
Ready to simplify IUL for your clients?
Book a demo and upload a real illustration to see the analysis live.