Confused clients don't buy an IUL
A 48-page ledger of guaranteed and non-guaranteed columns is not a presentation. If the client can't follow it, the answer is "let me think about it."
IUL Explorer · Powered by PropHog
Turn any carrier illustration into a conversation your client can follow
Upload the carrier's PDF. In under 30 seconds you get an A–F design grade, an interactive dashboard, a plain-English client letter and a polished report — every number traced to the carrier's own page.
One upload, four outputs
A–F design grade
Interactive dashboard
Plain-English client letter
Polished PDF report
Confused agents don't sell an IUL
New agents avoid what they can't explain. When the tool does the explaining — and shows what a good design looks like — they stop avoiding it.
How it works
Drop the PDF. Open the dashboard. That's the whole flow
Upload the illustration exactly as the carrier's software produced it. Nothing is re-typed and nothing is estimated.
What the agent sees while the illustration is read — every page rendered, every table rebuilt, every number indexed to its source page
1
Upload the carrier PDF
The illustration exactly as the carrier's software produced it — 48 pages of tables is fine. That's the point.
2
We read and verify it
Every table is extracted with its source page and the math is cross-checked. Under about 30 seconds; nothing is estimated.
3
Present it so anyone gets it
Open the dashboard, drag the age slider on a Zoom call, and hand the client a readable PDF report.
Drop a carrier illustration PDF — or click to browse — the moment you log in.
The design check
Every illustration gets a grade from A to F
An illustration that runs is not automatically an illustration that serves the client. IUL Explorer scores the design out of 100 using pure arithmetic on the carrier's own rows — no opinions, no external data — and explains every point it took off.
AWell-built · 90/100
Funded to serve the client long term. One note to review before presenting — and a plain-terms summary of what the client pays, what the family gets, when income begins, and the break-even year.
FFailing · 42/100
Same product, same carrier, same client — a different design. Two red flags, two cautions, and a policy that lapses at age 79 under the carrier's own current assumptions. Do not present as designed.
Red flagBreaks the designLapse before maturity, distributions the cash value can't carry, coverage lost at the ages it matters most.
CautionWorth a second lookPremium cut by the carrier to fit guideline limits, MEC exposure, funding the client didn't choose on purpose.
NoteGood to knowThings to say out loud before presenting so nothing surprises you or the client later.
Every flag has three parts — what the numbers show, why it matters, and what's worth considering — so the agent knows exactly how to fix the design before it goes in front of a client.
Demonstrate
An IUL the client can actually see
The dashboard replaces the ledger walkthrough. Move one slider and every number on the screen follows — on a laptop, on a Zoom call, or on the client's phone.
Viewing age
Drag the age, watch the policy
Cash surrender value, account value, death benefit and premiums paid at any age — with jump buttons for year one, 55, 65, 75, 85 and 100. Every figure links to the carrier page it came from.
- Guaranteed, alternate and current scenarios one tap apart
- "Carrier Illustration · p.16" on every card
Policy growth
The whole policy on one chart
Cumulative premiums, account value, cash surrender value, death benefit and annual income to the client, plotted to 65, 80, 100 or maturity. Click or drag on the chart to move the age.
- Income years shown as bars under the chart
- "Verify in the carrier's PDF" one click away
Advanced policy data
The full ledger, every row traced
Annual ledger, IRR analysis, premium checkpoints and policy charges — every value extracted verbatim from the illustration with its source page beside it. The carrier's own code legend is reproduced word for word.
Living benefits
The death benefit that works while you're alive
Critical, terminal and chronic illness riders explained in plain language — what qualifies, why it matters, and the exact dollar amount available from the carrier's illustration.
Plain English guide
Every term, explained across a kitchen table
Premium, cap rate, lapse, MEC — every technical term on the page and in the carrier's PDF, with a worked example the client will remember. Pick a topic, pick a term, or search.
Teach the concept
The IUL story, built into every dashboard
Before the numbers, the why. Each dashboard opens with the education a client needs to understand what an IUL is for — and a new agent needs to explain it with confidence.
The math of losses — a 50% loss requires a 100% gain just to get back to even
Different jobs — the honest answer to "could the market make more?"
Train a new agent in an afternoon
Upload a well-designed illustration and a poorly designed one. Walk the team through both grades. They'll understand funding, lapse risk and MEC limits faster than any ledger could teach them.
Compounding loves consistency — the value of avoiding the hole
Honest by design
The education says plainly that the market may produce higher long-term returns, that an IUL isn't a direct market investment, and that caps and participation rates apply. Clients trust a tool that tells them both sides.
Built for two conversations
Sell it to a client. Teach it to your team
Client presentation
The demonstration that closes
Open the dashboard on a call, start at "the offer in plain terms," drag the age slider, and answer "what if" live. Then send the plain-English letter and PDF report so the decision doesn't stall at the kitchen table.
- You pay · your family gets · income begins · break-even, on one screen
- Withdrawals vs. loans, pros and cons, in plain terms
- Every number cited to the carrier's page — nothing to take on faith
Agent training
Good design vs. poor design, side by side
The A–F grade is a teaching tool. New agents see exactly why one illustration serves the client for life and another collapses at 79 — and learn what to change before it ever reaches a client.
- Red flags, cautions and notes with "worth considering" fixes
- Guideline premium, 7-pay and MEC explained where they happen
- Plain English guide for every term a trainee will be asked
What you walk away with
Three outputs from one upload
Interactive dashboard
Age slider, growth chart, ledger, living benefits and the plain-English guide — for presenting live.
Plain-English client letter
The policy explained the way you'd explain it in person, written for the client to keep.
Polished PDF report
A readable report with every number traced back to the exact page of the carrier's own document.
On the platform
Verified carriers & products
5 carriers · 7 products. Each product has its own verified parser, so extraction is exact — not approximate.
North American2 products
- Builder Plus IUL 4
- Accumulation IUL
National Life GroupLSW
- FlexLife
F&G2 products
- Pathsetter
- Quantum series
Ameritas1 product
- Growth IUL II
Ethosissued by Ameritas
- Ethos IUL
More carriers and products are added as they are verified.
Want more info?
See IUL Explorer on a live illustration
Book a short appointment and we'll walk through a real carrier illustration with you — the grade, the dashboard, and the client report. Or see everything else PropHog offers.