An in-force policy projection is an analysis of a current life policy's future performance using updated values and assumptions. It helps determine whether to increase premiums, reduce benefits, exchange, or surrender. Projections consider guaranteed and non-guaranteed elements, loan strategies, and tax implications. Regular projections create an early-warning system for policies at risk of lapse and support informed decisions aligned with estate, retirement, or business goals.

Policy reviews include updated projections. When risk arises-low crediting, high charges-advisors present options and document client elections to maintain suitability and performance.