✔ Mode1 — Standard Loan optimistic

✔ Mode 2 — AI Loan Manager defensive

✔ Mode 3 —  Adaptive Income Engine

🔥 THIS IS THE BIG

👉 “How much CAN I take?”

👉 “How much SHOULD I take?”

👉 “What happens if I push too far?”

Stop borrowing your agent’s eyes.                                                                                                                                                                                                                                                              For decades, the industry has relied on one thing: you not knowing how the math actually works. RYE IUL doesn't replace your agent—it replaces your dependence on them. We flip the script, giving you the "Client-Side Intelligence Layer" to audit illustrations, expose cost curves, and see the truth before you ever sign a document. Don't walk into the meeting blind. Walk in as the smartest person in the room.

The end of the 'Trust Me' era.                                                                                                                                                                                                                                                                      Most IUL conversations are based on persuasion; ours are based on precision. RYE IUL provides the transparency that carrier printouts hide. We don’t just show you what a policy could do; we show you exactly what it costs to get there. It’s not an agent replacement—it’s an Agent Equalizer. Own the understanding. Control the decision.

Understand the math before they sell you the dream.                                                                                                                                                                                                                    An IUL is one of the most complex financial tools on the planet. Why should the person selling it be the only one who understands it? RYE IUL Illustrator-Auditor is a pre-decision engine designed to remove the "Information Gap. We replace the need for an agent’s interpretation with hard, audited data. Build your strategy here. Then, take your requirements to the agent of your choice.

LOWEST DEATH BENEFIT, MAXIMUM CASH ACCUMULATION, SOLVE FOR INCOME, IS NOT ENOUGH TO MATHEMATICALLY DESIGN THE BEST POLICY FOR THE AV GROWTH AND GUARANTEED TAX DEFERRED INCOME.  "LOWEST DEATH BENEFIT" WILL NOT AUTOMATICALLY DESIGN YOU THE LOWEST FV. YOU HAVE TO FIND A CARRIER THE OFFERS THE ABILITY TO BLEND YOUR FV WITH CHEAPER INSURANCE LIKE AN APB. THE LOWEST I HAVE FOUND IS NLG. OTHER CARRIERS HAVE SIMILAR OPTIONS HOWEVER NLG OFFERS THE LOWEST FV BLEND THUS ALLOWING 94% OF MY WIFE'S PLANNED PREMIUM TO REACH THE AV COLUMN BEFORE ANY CREDITED INTEREST. THE BEST MATHEMATICAL PLAN STARTS WITH THE CLIENT, YOUR AGE, HEALTH AND BUDGET. NEXT YOU NEED AN AGENT THAT WILL BUT YOUR BEST INTEREST ABOVE THEIR COMMISSION. I HAVE TALKED TO 50 TO 100 AGENTS AND ONLY ONE AGENT WAS WILLING TO HELP ME BUILD THE BEST MATHEMATICAL DESIGN FOR AV GROWTH WITH GUARANTEED TAX DEFERRED INCOME FROM AGE 65 TO 120. IF YOU WOULD LIKE HELP FROM THE SAME AGENT WE USED PLEASE CONTACT US. 

DISCLAIMER 

ILLUSTRATOR

This tool uses conservative return assumptions (lower than many carrier illustrations) for planning and education purposes. Actual policy performance depends on carrier crediting strategies, caps, participation rates, and market conditions. 

Index / Allocation DISCLOSURE

S&P performance is modeled conservatively and does not reflect current cap rates (which may be higher). Blended index performance is based on historical averages and may vary by carrier. Carriers can adjust caps, participation rates, and crediting methods at any time.

Loan Strategy Disclosure

The LIBR (Loan Interest Benefit Rider) rate can change and may be adjusted by the carrier within policy terms. This model assumes stable loan behavior for educational purposes. Changes in loan rates or policy performance may impact income sustainability. 

Income Disclaimer

Income projections are not guaranteed. Withdrawals and loans are based on modeled assumptions and may vary depending on policy performance, loan balance, and carrier adjustments. 

AUDITOR

This tool evaluates real illustrations to identify best-case, expected, and worst-case outcomes based on actual policy structure—not just illustrated projections.

REPORTS

This REPORTS is intentionally modeled using conservative assumptions to avoid overestimating performance FOR EDUCATIONAL PURPOSES ONLY. Clients should review both REPORTS and stress-tested scenarios before FINDING AN AGENT, CARRIER and CREATING A POLICY DESIGN.