Define the goal and budget
Quantify the liquidity gap, assets to preserve and sustainable long-term cash flow.
How to apply
A large IUL case is more than an application form. Put goals, illustrations, medical and financial underwriting, issue and ongoing review on one timeline.
Eight stages
What happens, and who is responsible.
Client + professional adviser
Align comparison inputs
Use the same age, sex, smoking status, sum assured, currency, payment term and death-benefit option.
Obtain official illustrations
Review guaranteed, current illustrated, low-crediting and maximum-charge stress cases.
Identity and financial evidence
Provide identity, address, tax residence, assets, liabilities, income and source-of-funds evidence.
Medical and lifestyle underwriting
Disclose health, medication, occupation, travel, sports and family history; complete exams when requested.
Assessment and underwriting decision
The insurer may offer standard terms, ratings, exclusions, postponement or decline, and may request more evidence.
Confirm, fund and issue
Check final terms, charges, index accounts, beneficiaries, free-look period and payment path.
Review every year
Check cash value, COI, parameters, loans, beneficiaries and policy sustainability.
Preparation list
Have these ready before requesting a quote.
01Identity, residential address and tax residence
02Income, assets, liabilities and source-of-funds evidence
03Existing policies, beneficiaries and family objectives
04Medical history, medication, occupation, travel and sports
05Long-term premium and financing-interest budget
06Insurers, currency and payment periods to compare
Timing
Use stage ranges, not a promised issue date.
Straightforward cases may progress quickly. Large, cross-border, medically complex or financed cases may require several rounds of financial and medical evidence. Completeness, underwriting and final terms determine timing—not a website countdown.
Ready to request an official illustration?
小坡险助手 first organises your needs. With your consent, a named licensed or exempt financial adviser and its appointed representative then handle the case-specific consultation.