Illustration review
Enter figures from one or two illustrations. See guaranteed and non-guaranteed cash values by policy year, with exportable, explicitly unverified reports.
Open review →Life insurance, made understandable
Know what is guaranteed.
See what is only illustrated.
Read your Canadian life insurance illustration with more clarity. Compare user-entered cash value scenarios, explore universal life assumptions, and keep policy files on your device. Free to use. No insurance policies are sold here.
No accountLocal PDF previewVisible assumptionsNo insurance sold
Example only · synthetic figures
Two cash-value interpretations are not the same promise.
These are invented demonstration amounts, not actual policy values. Non-guaranteed illustrations can change.
Built for clarity
Useful tools before big decisions.
Insurance contracts can last decades. The first step is understanding the numbers and their sources—not choosing the highest illustrated value.
Universal life scenario lab
Explore how premium contributions, modeled insurance charges and assumed growth affect a simplified account value. Not a real-policy lapse assessment.
Open scenario lab →Evidence-aware explanations
Understand the distinction between premiums, policy cash value, surrender value and illustrations. Know when an insurer or licensed advisor must confirm details.
Read the checklist →Local-first workflow
Your document stays on your device.
01
Open your illustration
Preview a PDF locally in your browser. The optional Mac companion opens its own 127.0.0.1 website for selectable-text extraction and candidate lines, but does not authenticate numbers or resolve complex insurer table layouts.
02
Check extracted source and figures
Review page-referenced text candidates or enter a defined CSV. Always check original year, row, column and assumptions before using numbers.
03
Keep a transparent record
Export user-entered comparisons or Mac-local extracted text evidence. All numeric claims remain explicitly unverified.
Professional roadmap
Clear evidence, not black-box AI.
A Mac-only batch evidence preview now exists. Carrier-certified parsing, paid entitlements, checkout and insurer-backed reports remain gated pending evidence and approval.
Explore the roadmapImportant limitations
The tool cannot tell you which policy to buy, whether to replace existing coverage, the tax impact of surrender, or whether an insurer will issue coverage. For personal decisions, consult an appropriately licensed professional.
Read the methodology and privacy approach before using a real illustration.
Learn
Start with the questions that matter.
Guaranteed vs non-guaranteed
Why the two illustrations of future policy value are not equivalent.
Read guide →Cash value vs surrender value
How loans, outstanding amounts and contract rules may affect proceeds.
Read guide →Universal life cost structures
Why an account value projection requires more than a guessed growth rate.
Read guide →