Eleven modules that help turn static data into a journey.
Comparative Analysis
Show viability of an IUL or whole life policy by comparing it to up to 3 different "comparative vehicles" (CVs). Show accumulation, distributions, legacy, fees, and even equalize rates of return and distributions.
Compare an IUL or whole life policy to up to three different "comparative vehicles" (CVs)
Easy-to-use UI, create full presentations in as little as 5 minutes
Save your favorite scenarios, insurance company profiles, and CV portfolios for fast recall in future scenarios
Upload a PDF illustration or use a .csv, Excel or Sheets file
Taxable, pre-tax, and non-qualified (LIFO) comparisons
Model varying tax rates
Long-term capital gains considerations
Fee analysis (IUL)
Equalize required returns and distribution amounts for the CVs to match different targets achieved by the IUL
All reports are web-based, dynamic, and easily updated in realtime. Choose only the elements you want to share in your presentation
Easily share a web-version of your presentation with your client
Historical Simulations
Using a proxy asset, stress test the mechanics of an IUL through dozens to hundreds of historical rolling time periods. Reveal hidden potential while identifying possible weaknesses.
Create a "Theoretical Synthetic Asset" (TSA) as a proxy for the IUL, then stress test it from a historical lens to prove resiliency and expose potential weaknesses
Create an index strategy allocation with up to three index strategies, mixing and matching one, two, and three-year segment durations
Utilize both traditional and low volatility indexes
Create anywhere from 15 to 55-year historical rolling periods (depending on historical index data), allowing dozens to hundreds of historical rolling time periods for analysis
Current recurring costs of insurance are increased for the purpose of adding stress and to prove validity and resiliency
Showcase the power of index or participating loans
Create multiple scenarios with less advantageous cap and par rates, borrowing rates, and other factors to help prove validity and resiliency
Present the most recent, worst, median, and best case historical outcomes of the TSA as a proxy for the IUL
Premium Finance
Show how premium financing works: a lender pays most of the premium, the policy repays the bank, and income follows. See the policy net of the bank loan every year, compare it to what the client's own money could do in up to 3 comparative vehicles, and stress test the payoff through market history.
Show a lender paying most of the premium, the policy repaying the bank, and the income that follows
Enter the lender's rate as one rate or rate by year, with interest added to the loan or paid by the client
Add the lender's upfront and annual fees
The payoff year and how the loan is repaid come from the illustration, so the analysis matches the design
See account value, net surrender value, and net death benefit next to the bank loan balance, every year
Compare what the client's own money could do in up to three comparative vehicles
Stress test the payoff through dozens to hundreds of historical rolling time periods
Index Strategy Analyzer
Demonstrate the power of annual reset, guaranteed floors, and performance multipliers. Create a mix of different index strategies with varying cap and par rates, even across 1, 2, or 3 year strategies.
Showcase the concept of popular index strategies often utilized by IULs and FIAs
Demonstrate the power of annual reset, guaranteed floors, persistency credits, and performance multipliers
Create a mix of different index strategies with varying cap and par rates, even across one, two, or three-year strategies
Easily navigate between different start and end years to demonstrate the potential validity of the index strategies at different points in history
Demonstrate the potential degrading effects of negative years and taxation of a hypothetical investment directly into the indexes
Powerful metrics such as standard deviation, Sharpe ratio, and net compound annual growth rate help tell the story
"Equalize risk" to easily show a compelling risk/reward story
Fixed Strategy Analyzer
Compare fixed accounts (CDs, Savings, MMAs) to the "engine" of an FIA, MYGA, or IUL, including caps, par rates, and floors across 1, 2, and 3 year strategies.
Showcase the concept of popular index strategies often utilized by IULs and FIAs
Demonstrate the power of annual reset, guaranteed floors, persistency credits, and performance multipliers
Create a MYGA comparison or a mix of different index and fixed strategies with varying cap and par rates, even across one, two, or three-year strategies
Easily navigate between different start and end years to demonstrate the potential validity of the index strategies at different points in history
Demonstrate the tax advantages of MYGA, FIA or IUL concepts compared to taxable fixed rate accounts
Retirement Buffer
Demonstrate the potential devastating effects of sequence of return risk and the power of adding an annuity to a market-based portfolio with potentially superior outcomes. Compare "success probabilities" across scenarios.
Demonstrate the powerful concept of using a "buffer strategy" (presumably a fixed index annuity) in conjunction with a "market only" strategy
Compare total distributions, total value, standard deviation, and Sharpe ratios of a market only portfolio to a portfolio with a buffer strategy included
Also show the potential devastating effects of sequence of return risk, and how a buffer strategy can alleviate that risk
Income Foundation
Compare the income production ability of an income rider or SPIA to a market-driven account, including 100% equities or common equity/bond allocations (60/40, 50/50, 40/60). Compare both guaranteed level income and increasing income scenarios.
Show what the market portfolio would have to lower its distribution amounts to in order match to longevity of the income rider
Show the required rate of return for the market portfolio to match the income rider's IPA
Show the Income Production Ability (IPA) of an income rider (both guaranteed and non-guaranteed elements) to a hypothetical portfolio using a fixed average return as well as the raw returns of the S&P 500, a 60/40, a 50/50, or 40/60 equity/bond allocation
Demonstrate the shortfall compared to the income rider in both dollar value and years
Show the "success probability" of historical market returns to equal the income rider's IPA
Bond Replacement
Compare traditional equity/bond allocations to equity/annuity models. Choose different historical periods. Create an allocation of different index strategies with varying cap, margin, trigger, and par rates, even across 1, 2, or 3 year strategies.
Compare traditional equity/bond allocations to equity/FIA allocations
Compare ending balances, longevity, Income Production Ability
Compare risk metrics such as standard deviation, Sharpe ratio, average, and actual returns
Policy Comparison
Compare policies side-by-side, new vs. new or old vs. new. Line up to 3 life policies, IUL or whole life, on accumulation, distributions, death benefit, fees, and IRR, then stress test the IULs through market history. Or compare 2 annuities on growth, or on guaranteed and projected income.
Life insurance: compare up to three policies, new vs. new or a client's current policy against a proposed one
Line up a client's current whole life policy against a proposed IUL
Account for a 1035 exchange into the new policy
Compare deposits, distributions, account value, surrender value, and death benefit year by year
Add cumulative values, IRR, fee analysis, and legacy
Stress test each IUL through its own historical rolling time periods
Annuities: compare two new policies, or a client's current policy against a proposed one
Accumulation focus: build each annuity's index strategy allocation with its caps, par rates, fees, and bonus
Run both through the same historical years and compare ending balances, average and actual returns, standard deviation, and Sharpe ratios
Show the probability each policy outperforms the other across 10,000 simulations
Lifetime income focus: line up each policy's guaranteed income and its projected increasing income, year by year
Show the surplus or shortfall each year, and the age where one policy overtakes the other
Add an opportunity cost analysis: what each year's surplus could grow to if it were reinvested at a rate you choose
Generate a PDF report or share a live web version with your client
Roth Conversion Alternative
Compare converting an IRA into an IUL instead of a Roth IRA. IRA distributions fund the IUL and policy loans reimburse the tax, while the Roth gets the same money after tax. Line up accumulation, distributions, and legacy side by side.
Once the Tax Scorecard shows a conversion is worth doing, show what to convert into: a Roth IRA or an IUL
Fund the IUL with the full IRA distribution, and reimburse the conversion tax with policy loans
The Roth IRA gets the same money, less the tax
Set the Roth's rate of return and fees
Compare accumulation, distributions, legacy, and IRR
Stress test the IUL through market history with Historical Simulations
Tax Scorecard
Quickly show a client the potential tax impact of qualified/pre-tax retirement plans over their retirement, including potential collateral damage caused on Social Security. Compare that to a conversion strategy at a fraction of the tax-cost.
Quickly show the total potential taxes of a pre-tax retirement plan (401K, IRA, etc.) over a retiree's life retirement
Demonstrate multiple tax rates including the effects of the widow's penalty
Show potential collateral tax damage on social security and IRMAA
Compare to a conversion strategy, showing the difference in total taxes for each path
Dynamically change the inputs in realtime to showcase different scenarios
Every plan includes all eleven modules: Comparative Analysis, Historical Simulations, Premium Finance, Index Strategy Analyzer, Fixed Strategy Analyzer, Retirement Buffer, Income Foundation, Bond Replacement, Policy Comparison, Roth Conversion Alternative and Tax Scorecard.
What index and crediting strategies can WealthLogix model for an FIA or IUL?
WealthLogix can model a close approximation of nearly any FIA or IUL crediting strategy, as simple or as detailed as you like.
Choose from dozens of indexes with different cap and participation rates. Add margins or spreads, floors or buffers (buffers cover buffered notes and RILAs too), and trigger strategies, including dual-directional triggers. Layer on bonuses, multipliers and persistency credits.
Use 1-, 2- or 3-year lock-in periods, and blend up to three strategies in whatever weighting you want.
Can I use my carrier's illustration?
Yes, any illustration. Upload the carrier's PDF in Comparative Analysis and WealthLogix reads it in for you. You can also bring the numbers in from a CSV, Excel or Google Sheets file.
WealthLogix works from your illustration. It doesn't replace it.
What does Historical Simulations show?
It stress-tests the mechanics of an IUL through dozens to hundreds of rolling historical periods, then shows the most recent, worst, median and best outcomes.
You choose how long each period runs, anywhere from 15 to 55 years, depending on how much history the indexes you pick have. It runs the mechanics through a proxy asset that closely mimics the policy but with more “friction” designed to stress test the policy’s mechanics.
What stress does Historical Simulations add?
Historical Simulations raises the cost of insurance above current levels, so every historical period runs under heavier charges than the policy has today.
It's also common to run the simulation with lower cap or participation rates, higher margins or spreads, or higher borrowing rates than the policy currently has.
Does WealthLogix work with whole life?
Yes. Comparative Analysis compares a whole life policy to common asset classes and accounts, with analyses of accumulation, distributions and legacy, the same as it does for an IUL.
Policy Comparison lines up whole life against IUL, like a client's current whole life policy against a proposed IUL, on deposits, cash value, death benefit and IRR.
The fee analysis and Historical Simulations run on the IUL only.