IUL Letter Generator

0. Import Policy Document (optional — scanned locally on this device, no AI, nothing uploaded anywhere)

Upload policy PDF (from this company or another one)

1. Letter Type

Template Language Letter Date Delivery Method Line Custom Subject Line (optional — overrides default)

2. Client Info (this is who the letter is from — it appears at the top and is who signs it, per-letter, not saved)

Client / Policyholder Name Client Address City, State ZIP Phone Email

2b. Prepared By (optional — saved as your default profile; does not appear at the top of the letter)

Note in the letter that it was prepared with the assistance of an authorized representative

Representative Name Representative Title / Role

3. Recipient (Insurance Carrier)

Known Carrier (optional — prefills name & address below; verify before mailing) Company Name Department Company Address (optional, one line per row) Your State (for Insurance Code / regulator references) Regulator Name (optional — overrides default; auto-filled from Your State above, verify it's still current) Salutation Line State Statute Citation (optional — only cite a statute you've verified; leave blank for generic language)

4. Policy Details

Insured Name (if different from Client Name above) Policy Number Product Issue State (abbreviation) Issue Date Face Amount

Initial Premium Frequency

Claim Number (optional) Reference / Call Numbers (optional, one per line) Include a bulleted "Policy Details" block in the letter (off by default — the leaner style weaves the policy number and insured name directly into the opening sentence instead)

5. Guaranteed Loss Calculation (the "how much money did the client lose" evidence)

From the policy's own Guaranteed Values / Ledger illustration — this is the specific, provable number that makes the letter land. Leave any field blank to skip this paragraph.

Scanner didn't find these? Here's where to look in the PDF yourself

Every field below comes from the same one or two pages — you don't need to hunt through the whole document:

Find the ledger page. Look in the table of contents (or just scan page headers) for one titled "Tabular Detail," "Guaranteed Illustrated Values," "Guaranteed Projections," or "Numeric Summary." It's a year-by-year table, usually several pages long, near the middle of the illustration.
That page almost always shows two sets of columns side by side — one labeled Guaranteed and one labeled Non-Guaranteed / Current / Illustrated / Assumed. Always read the numbers under Guaranteed — the other column assumes index performance that isn't promised, and using it here would overstate what the client is actually guaranteed.
Years of Premiums Shown / Annual Premium / Guaranteed CSV and Year 1 Premium Outlay / Year 1 Guaranteed CSV: same table. Find the "Premium Outlay" column and the "Cash Surrender Value" (or "Surrender Value") column under Guaranteed. Year 1's guaranteed CSV is very often $0 or close to it — that's not a mistake, that's the finding.
Guaranteed Premium Expense Charge (%): usually on an earlier "Policy Data," "Data Section," or "Schedule Page," not the ledger — look for "Premium Expense Charge" or "Percent of Premium Expense Charge." Use the guaranteed/maximum rate, not a current/lower rate shown next to it.
Surrender Charge ($): same Data Section, look for a "Surrender Charge" schedule — a table of declining dollar (or percentage) figures by year. Use the earliest year's figure, in dollars if shown.
Guaranteed Lapse Year / Age at Lapse: back on the ledger page (or right after it), look for a plain-English sentence like "Based on Guaranteed values, this policy will lapse in policy year X (age Y) unless additional premium is paid." Not every illustration includes this sentence — if you don't see it, leave the field blank rather than guess.

Carrier layouts vary — some combine several of these onto one page, others spread them across many. If a document truly doesn't show one of these facts, it's fine to leave that field blank; each bullet in the letter is independent.

Illustration Page Reference (optional)

Years of Premiums Shown Annual Premium

Guaranteed Cash Surrender Value at that year

Financial Loss Breakdown (optional — hard, ledger-sourced facts added as their own evidence bullets; each is independent, leave any blank to skip it)

Year 1 Premium Outlay Year 1 Guaranteed Cash Surrender Value (often $0 — see guide above)

Guaranteed Premium Expense Charge (%, from the Policy Data/Schedule page — see guide above) Surrender Charge (earliest year shown, $ — see guide above)

Guaranteed Lapse Year (only if the document states one — see guide above) Age at Lapse (optional)

6. The Facts — Timeline of Events (optional)

7. The Grounds (folded into flowing prose, not bullets, to match the reference style)

Add a Violation (matches to a real citation for the state entered in Section 3, if one exists)

Additional grievance details (optional)

8. The Demand (numbered list — cancellation is always item 1)

Full refund of premiums paid to date Written confirmation policy is fully cancelled, no further charges Correction of internal records (no lapse/default on file)

Refund premiums paid since this date (optional) Additional demand details (optional) Response deadline (business days)

9. The Consequence

Formal complaint with the State Department of Insurance Bank fraud chargeback / dispute of unauthorized transactions Consumer complaint with the State Attorney General Complaint via the NAIC Consumer Complaint database Referral to legal counsel for further action

Additional consequence details (optional)

10. Sign-off

Preferred response method CC (optional, one per line) Enclosures (optional, one per line)