Plan Trackers analyzes, optimizes, and monitors life insurance - particularly Indexed Universal Life Insurance (IUL) to make it work better. This is especially important for policy owners who are companies or individuals, and looking to take distributions from the cash accumulation within these policies. We have proprietary software based upon historical modeling that provides information in order to suggest: - optimal funding recommendations, - optimal distribution methods, - optimal distribution amounts, and - optimal choice of index account(s). Plan Trackers' modeling analysis sets a much more realistic range of expectations for taking income from an IUL policy than what is currently being shown in life insurance company illustrations. The difference could mean expecting to take a certain income at retirement age through age 100, when in fact that income amount may only last until age 80 and cause the policy to lapse. At Plan Trackers, our goal is not only to keep these policies safe while meeting income expectations, but also to maximize the amount of income the policyholder safely can withdraw each year.