Pathfinder FAQs

Do I need separate certifications for each Pathfinder concept?

Yes. Each concept has its own certification module in the LMS to ensure proper understanding and compliant use.

What carrier illustrations can I upload to Pathfinder?

The Tax Free Retirement Pathfinder component only supports IUL PDFs from the following carriers:

• F&G Quantum
• F&G Pathsetter

The Debt Elimination and Smart Baking Pathfinder components only support Whole Life PDFs from the following carriers:

• Foresters Live Well Plus
• Foresters Advantage Plus 2
• Mutual Trust Life
• Lafayette Life

My Tax Free Retirement carrier illustration isn’t uploading. What am I doing wrong?

To generate an accurate Tax-Free Retirement scenario within the platform, the uploaded insurance illustration must meet the following criteria:

• Carrier Compatibility: The illustration must originate from a carrier currently supported by the Pathfinder platform.
• Inclusion of Policy Charges: All applicable policy fees and expenses must be included in the illustration. Please note that some carrier illustration systems default to excluding these charges, so it is important to verify that they are manually enabled before generating your file.
• Retirement Income Presentation: The illustration must display retirement income as a series of policy loans. This format is essential for enabling a meaningful comparison between Indexed Universal Life (IUL) strategies and other common retirement vehicles such as 401(k)s, IRAs, and Roth IRAs.
• Ensuring these conditions are met will allow Pathfinder to provide a reliable and compliant retirement income analysis.

What if I need help with my Pathfinder report?

Reach out to the support team via the Pathfinder help link in HQ or submit a support ticket to our Advanced Markets team for training support.

Can I use more than one illustration for my Debt Elimination (DFL) scenario?

Yes, with the Debt Elimination component, you can use multiple illustrations in one scenario. The system combines the cash value accumulated for both illustrations to do the calculations.

You can also use different carriers for those illustrations (example: Mutual Trust & Foresters together).

Why am I not able to subscribe to some Pathfinder components?

When subscribing to any Pathfinder component, the system checks to see if you have completed the corresponding certification course.  If you are not certified for a specific Pathfinder component, that component will be disabled on the subscription page, and you will not have access to it.

When entering debts into the debt elimination (DFL) component, why does the system say the minimum payments are not enough?

Minimum payments are not calculated based solely on accrued interest. Most credit card issuers employ proprietary algorithms that incorporate both the interest due and a small portion of the principal balance. For example, a common approach is to calculate the monthly interest plus 1% of the outstanding principal. Because these algorithms vary widely across issuers, it is not feasible to support every variation within the system.

Why does my debt payoff date in the debt elimination (DFL) component say 50 years, no matter what debt I enter?

This occurs when a debt has been entered that would take 50 years or more to pay off. To ensure system performance and avoid overloading the server, the calculation is capped at a 50-year amortization period. If you see a payoff timeline of 50 years, it's likely that a debt entry contains incorrect or unrealistic values and should be reviewed for accuracy.

Why does my debt elimination (DFL) scenario not show any real savings?

The debt elimination (DFL) strategy is not universally applicable to all clients—it is most effective for individuals who meet certain financial criteria. Generally, ideal candidates for this approach have a diversified debt profile that includes:

• A mortgage which serves as the foundation for long-term liability.
• At least three forms of consumer debt, such as credit cards, auto loans, or personal loans.

The strategy becomes even more impactful when the client carries higher-interest debts, as the interest savings potential is significantly greater. Additionally, a broader mix of debts extends the timeline of the payoff strategy, which allows more time for the policy's cash value to grow and offset the initial costs of the life insurance policy.

In short, the more complex and costly the debt structure, the more opportunity there is for the debt elimination (DFL) approach to demonstrate measurable financial benefit. Clients with limited debt or very low interest rates may see less dramatic results and may require alternative strategies.