Kiara filled out a life insurance application and was given a policy illustration that showed future premiums being paid out of nonguaranteed values. This illustration must disclose that

Answer: The illustration must show that the policy owner (Kiara) may need to resume paying the premium payments depending on actual results.

The policy owner will need to determine if this is the right policy for her and her family. The illustration should be truthful about how the policy will perform for the buyers lifetime. The illustration should also show the financial projections for each year so the buyer can determine if the plan fits their budget.