You wouldnt tell a client that the Contractually Guaranteed illustration is not Contractually Guaranteed? Seriously Vol we are basically just arguing semantics here. I was calling it that with Jerard because he claimed in previous threads that a UL can not be Guranteed to never lapse unless it is a GUL. The way I explain it to a client is that the Guaranteed Illustration is the Guaranteed Minimum that the policy will do. The Current is the Maximum it could possibly do. Their policy will most likely perform somewhere in between the Guaranteed and the Current Illustration. But we are not talking about explaining this to a client. I am explaining it to an agent who does not know a whole lot about how ULs work (no offense Jerard, I didnt mean that in a bad way). The Guaranteed Illustration is what that policy is Contractually Guaranteed to never be less than. It is not Contractually Guaranteed to be exactly that, just never less than that... feel better dude?