Uploaded January 2026 | Updated September 2026, 4 days ago
Have you ever wondered which side of a policy illustration is most accurate, guaranteed or non-guaranteed? Isn't it obviously the guaranteed side, and why do agents always show the non-guaranteed side instead? In this video, Austin Williams explains the differences between them and why the way most people understand illustrations are wrong.
Want Whole Life Insurance? Click Here To Meet Our Team: bttr.ly/aa-yt-clarity
Want Us To Review Your Life Insurance Policy? Click Here: bttr.ly/yt-policy-review
Want Free Life Insurance Education & Resources? Unlock the Vault: bttr.ly/yt-aa-vault
Learn More About the And Asset: bttr.ly/andasset
00:00 Introduction to Guaranteed vs. Non-Guaranteed Values
00:39 How Is The Guaranteed Side Calculated?
01:07 Worst-Case Scenario Assumptions
01:50 Guaranteed Interest Rate
03:09 Calculating the Non-Guaranteed Side
03:27 Average Scenario Assumptions
03:51 Why the Non-Guaranteed Side is More Realistic?
04:07 Assumed Dividend Interest Rate
05:03 Upshot and Conclusion
06:20 Clarity Call Invitation
======================
DISCLAIMER: bttr.ly/aapolicy
*This video is for entertainment purposes only and is not financial or legal advice.
Financial Advice Disclaimer: All content on this channel is for education, discussion and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of information on this channel. Neither host or guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.
Have you ever wondered which side of a policy illustration is most accurate, guaranteed or non-guaranteed? Isn't it obviously the guaranteed side, and why do agents always show the non-guaranteed side instead? In this video, Austin Williams explains the differences between them and why the way most people understand illustrations are wrong.
Want Whole Life Insurance? Click Here To Meet Our Team: bttr.ly/aa-yt-clarity
Want Us To Review Your Life Insurance Policy? Click Here: bttr.ly/yt-policy-review
Want Free Life Insurance Education & Resources? Unlock the Vault: bttr.ly/yt-aa-vault
Learn More About the And Asset: bttr.ly/andasset
00:00 Introduction to Guaranteed vs. Non-Guaranteed Values
00:39 How Is The Guaranteed Side Calculated?
01:07 Worst-Case Scenario Assumptions
01:50 Guaranteed Interest Rate
03:09 Calculating the Non-Guaranteed Side
03:27 Average Scenario Assumptions
03:51 Why the Non-Guaranteed Side is More Realistic?
04:07 Assumed Dividend Interest Rate
05:03 Upshot and Conclusion
06:20 Clarity Call Invitation
======================
DISCLAIMER: bttr.ly/aapolicy
*This video is for entertainment purposes only and is not financial or legal advice.
Financial Advice Disclaimer: All content on this channel is for education, discussion and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of information on this channel. Neither host or guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.
