Life insurance illustrations are restricted by a host of rules that, while reasonable and customer-friendly, limit the ability for insurance practitioners to run "real-world" return scenarios. This is a particularly salient issue in Indexed UL and Variable UL products where different sequences of return can produce different performance even if the average returns are identical, especially in the new breed of modern and highly complex IUL products. In order to deliver truly independent and objective product intelligence, I've built the Dynamic Illustration Tool, which replicates the results of compliant illustrations but doesn't have the restrictions of illustration software.