Can I rely on a policy illustration that disclaims any predictability or reliability? Life insurance is complicated, unnecessarily so given that it's an important part of family, estate, business, and charitable planning. Dick Weber has devoted the last 20 years of his insurance career to putting himself in the client's shoes, devising communication processes and even software to give the consumer an opportunity to make sense of it all. This site provides the answers in language that - for an insurance guy - is reasonable both for advisors and their clients. Even within my own personal policies I'm confronted with the disturbing question: How is it that a quoted premium isn't really an amount I can rely on to maintain the policy for as long as I live? But as the insurance industry has brought newer, more flexible types of life insurance into the marketplace, my responses have been more difficult to contemplate. Before the introduction of such high-tech policies as Universal and Variable Universal Life, providing answers to my clients was fairly easy.