Runs the NAIC Model Regulation 582 §8C self-support test at years 15 and 20, and the §8D lapse-support prohibition check. A policy illustration passes when the projected account value remains non-negative at both checkpoints under the illustrated assumptions (ASOP 24). Combine with RBC action level (art-254) in the life illustration workflow.
NAIC Model 582 §8C/§8DASOP 24Life InsuranceIllustration ComplianceProofs Deferred
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Projected Cash Flows (JSON arrays, one value per policy year)
Projected account value at end of each policy year (array of numbers, minimum 20 years). Negative values cause §8C to fail.
Annual premium payments (array, same length as account values).
Annual cost of insurance charges (array, same length).
Annual expense charges (array, same length).
Annual credited interest (array, same length).
Death benefit face amount of the illustrated policy.
Array of annual persistence factors (0-1) for §8D lapse-support check. Leave blank to skip lapse-support test.