All of the following are required to be included in a life insurance illustration EXCEPT?

The inclusion of specific elements in a life insurance illustration is governed by regulatory standards to ensure clarity and transparency for the policyholder. One critical aspect is that illustrations must provide a realistic and comprehensive view of the policy's benefits and costs.

While the insurer's mortality table is a foundational element used in calculating premiums and benefits, it is not necessary to include this detailed statistical data within a life insurance illustration itself. Instead, illustrations focus on projected premiums, cash value growth, and the illustration date. These components are vital for helping consumers understand the policy's financial trajectory and their potential investment over time.

Projected premiums show the amounts policyholders can expect to pay, while cash value growth reflects how the policy may evolve financially, aiding consumers in making informed decisions. The illustration date ensures the information is relevant and current at the time the illustration is presented.

In summary, the insurer's mortality table serves as a background reference but is not required to be explicitly included in the illustrations that policyholders receive, making it the only option in the list that does not need to be present.