What can an insurance illustration audit verify?
A useful document review begins with the insurer-issued original, not with the number that looks most attractive.
First compare like for like
Identify the insurer, product name and version, issue age, coverage amount, premium schedule, dividend option, policy year, illustrated assumptions and the exact definition of the cash figure. A guaranteed cash value and a non-guaranteed illustrated value must not be described as the same thing.
Verify a figure from its original page
On a complex table, the page number alone is not enough: you need the year, column heading, footnotes and whether premiums or additions are included. Policy Twin can surface selectable text as candidates on a Mac; it does not automatically approve table-column assignments.
Use the tools
Try the free illustration comparison tool for manually checked figures, or the Mac-local batch preview for text-source evidence. Never treat either as an official carrier illustration or legal advice.
Reference
Consult Ontario FSRA consumer life and health insurance guidance, the official policy contract and insurer-approved documents for actual coverage terms.
Independent educational software prototype. Not affiliated with an insurer or regulator. No individual advice, official quotes, coverage, underwriting or transactions are provided. Information reviewed for prototype on 11 Nov 2026.