An in-force illustration update is a refreshed policy projection generated after issue using current values, charges, and crediting scales. It compares actual performance to the original illustration and shows future outcomes under current assumptions and guarantees. Updates help identify underfunding, rising costs, or adverse crediting changes and are essential to ongoing policy maintenance. Many advisors obtain updates annually or after significant market or health changes to keep policies aligned with objectives.

Service teams request in-force updates annually. If projections show shortfalls, advisors recommend increased premiums, benefit reductions, or exchanges to preserve coverage before problems become acute.