Hi, I'm KAILA, your Knowledgeable AI Life-insurance Auditor.

Let's see how your IUL is built, in plain English.

Upload your illustration or type in a few numbers. I'll show how your premiums line up with your policy's IRS limits, and what that means for growth and fees.

We never sell your information. Your details stay with us.

Your file is never saved. Its text is sent securely to create your report.

Education first. No sales pitch, no pressure.

Step 1 · Your policy

Upload your illustration

The PDF your agent or insurance company gave you. The more pages, the better.

What are you uploading?

A new illustrationConsidering, or just bought An in-force illustrationA policy I already own I'm not sureWe'll figure it out

Drag your PDF here, or tap to choose PDF up to 25 MB. A clear photo of a page also works.

Step 1 · Your policy

Enter your policy numbers

You'll find most of these on your illustration, annual statement or policy pages. Skip anything you don't have and I'll tell you what that affects.

The basics

Policy type Policy start dateMonth and year, like 03 / 2019. Also called the issue date or effective date.

Death benefit option

Level Increasing Not sure

Sometimes shown as Option A / Option B, or 1 / 2.

Surrender period length (years)How many years surrender charges apply.

Premiums & IRS limits

Premiums paid to date

Future expected premiums (optional)

Per year For how many years

What you plan to pay from here on. Leave blank if you're not sure.

Guideline Single Premium (GSP)

Guideline Level Premium (GLP)

7-pay / MEC limit (TAMRA)

Look for a page titled "Policy Data," "Guideline Premium Test" or "Tax Compliance." Leave a box empty if you don't have it.

Step 1 · Your policy

A few numbers are missing

This is common with in-force illustrations. These numbers show how much room your policy has and how much of it your premiums have used.

What I found

I have them. Enter now

Get them from your insurer

Call or email your insurance company and ask for this:

Continue with a partial checkup

I'll explain what I can and clearly mark anything I couldn't confirm.

Uploaded a new illustration, not a policy you already own?

KAILA is checking your policy…

This usually takes one to three minutes. Please keep this page open.

Tester tools

Test log

Every checkup run on this page, with the numbers KAILA read (no names), its result, and your verdict. Use this to spot where the auditor needs work.

No checkups logged yet. Run one and it will appear here.

Let's see how your IUL is built, in plain English.

Upload your illustration

Enter your policy numbers

A few numbers are missing

What I found

I have them. Enter now

Get them from your insurer

Continue with a partial checkup

KAILA is checking your policy…

While I work, where should your report go?

Test log