B. Without question, life insurance products have become increasingly complex and extremely difficult for the average consumer to evaluate and understand. When selling universal life and other interest sensitive life insurance products (e.g., current assumption whole life, variable universal life, index universal life) insurance producers (agents or life underwriters) frequently use a policy illustration that projects accumulated premiums and investment income. Identify the difficulties in making these projections. What should an individual look for when evaluating a policy illustration?