Monte Carlo Simulator for IUL Policies

Stress-test your client's IUL policy against ~24,000 market scenarios

IllustrationIQ runs advanced Monte Carlo simulations on Indexed Universal Life policies — so you can show clients what happens in the best, worst, and most likely cases before they sign.

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Zero data stored — runs entirely in your browser

No breach risk — we can't expose what we don't hold

Compliance-friendly — no client data on our servers

Privacy-First Architecture

Your clients' data never leaves your browser

Every simulation runs entirely on your device. No policy data, premium figures, or accumulation values are ever transmitted to our servers. There is nothing for us to breach, subpoena, or accidentally expose. This is a core design principle — not a feature we added later.

Zero risk of a client data breach on our end — we hold no policy data
No third-party data processor agreement required for simulations
Fully compatible with firm compliance policies on client data
No Business Associate Agreement needed — we never touch the data
Only your account details (name, email, firm) are stored — nothing client-related

What It Does

Everything you need to defend your illustration

Built for advisors who want to show clients a complete, defensible picture — not just the carrier's best-case scenario.

Monte Carlo Simulation

Run up to ~24,000 randomized scenarios using lognormal, Ornstein-Uhlenbeck, or historical S&P 500 data. See 10th to 90th percentile outcomes in a single chart.

Stress Testing

Test your client's policy against a 2008-style market crash, sustained low-return environment, or extended lapse scenario — before they ask.

Client-Ready PDF Reports

Export a branded PDF covering inputs, fan chart, year-by-year table, and scenario comparison. Ready to share or print.

White-Label Branding

Upload your firm's logo (dark and light mode versions). Every report carries your identity, not ours.

Transparent Methodology

Every formula is visible and documented inside the app. No black box — you can explain exactly how each number is calculated.

Client View Mode

Share a read-only view with your client — they see the summary, projection, and scenarios without accessing advisor inputs or controls.

Who It's For

Built for licensed IUL professionals

IllustrationIQ is a professional tool for licensed advisors — not a retail consumer product.

Independent Financial AdvisorsIMO / FMO ProducersInsurance Planning FirmsRegistered Investment AdvisorsLife Insurance SpecialistsSmall Advisory Firms

Pricing

Simple, transparent pricing

Start free for 14 days. No credit card required. Upgrade when you're ready.

Solo

$79/mo

or $790/year (2 months free)

1 advisor seat

Unlimited Monte Carlo simulations
Client-ready PDF reports
Excel illustration import
All index strategies
Stress scenario & sensitivity testing
Firm branding & logo upload
Client view mode

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