RYE Policy Audit Engine v3
Client profile, policy design, index mix, projection, LIBR vs loans, and audit summary in one structured web app.
Current AV
$22,338
Current SV
$20,952
Death Benefit
$355,338
Weighted Credit
6.36%
LIBR Income
$5,493
Client Profile
Funding Profile
Current In-Force
Policy Design
Design Levers
APB reduction built into illustrationYes
DB option B to A laterYes
Premium stop age60
Illustrated age-65 AV$941,643
Illustrated LIBR startAge 66
LIBR restricts new premiums/loans during active payoutYes
This section mirrors the design logic in the NLG illustration rather than a generic calculator. It is intended to show the levers, not hide them.
Allocation Controls
S&P Cap Focus50%
Balanced Trend No Cap50%
Basic Strategy0%
Allocation total = 100%
Index Performance Inputs
Calculated weighted credit6.36%
Projection Controls
Estimated age-65 AV$941,643
Estimated age-65 AV without LIBR drag$1,109,000
Manual AI loan income$4,621/mo
Projection Chart
LIBR vs AI Loans
| Mode | Income | CV Trend | Control | Main Tradeoff |
|---|---|---|---|---|
| LIBR | $5,493/mo | Declining later-age CSV | Low after activation | Guarantee is stronger, flexibility is weaker |
| AI Loans | $4,621/mo | Potentially more stable | High | Requires annual monitoring and discipline |
| Hybrid | AI first, LIBR later if needed | Balanced | Medium | Best only if LIBR eligibility is preserved |
Audit Outcome
Balanced Control (Hybrid)
Use AI-managed loans first, preserve LIBR eligibility where possible, and activate LIBR only when the guarantee is more valuable than the lost flexibility.
Balanced
Warnings & Notes
LIBR dragModerate
Allocation qualityValid
Weighted credit6.36%
Recommended pathHybrid