Effective date: June 2026
By creating an account or using IllustrationIQ, you agree to these Terms of Service. If you do not agree, do not use the service.
IllustrationIQ provides Monte Carlo simulation tools for licensed financial and insurance professionals to stress-test Indexed Universal Life (IUL) policy illustrations. All outputs are analytical illustrations and do not constitute financial, insurance, investment, or legal advice.
You must be a licensed financial or insurance professional to use IllustrationIQ. By signing up, you represent that you hold all required licenses and registrations applicable to your jurisdiction.
IllustrationIQ is offered on a subscription basis. Subscriptions renew automatically unless cancelled before the renewal date. You may cancel at any time from your account settings. Refunds are not provided for partial billing periods.
You may use IllustrationIQ solely for lawful professional purposes. You may not resell, sublicense, or redistribute the service or its outputs without written permission.
Monte Carlo simulation results are hypothetical and based on statistical models. Past performance and modeled scenarios are not guarantees of future results. You are responsible for how you use and present these outputs to clients.
You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account.
All software, content, and design of IllustrationIQ are the property of Inception Financial Services or its licensors. You receive a limited, non-exclusive license to use the service during your subscription term.
To the maximum extent permitted by law, IllustrationIQ and its affiliates are not liable for any indirect, incidental, or consequential damages arising from your use of the service.
We may update these Terms at any time. Continued use of the service after notice of changes constitutes acceptance of the updated Terms.
Questions about these Terms? Contact us at support@illustrationiq.com.