IUL Illustration Software which Can Back Test

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Is there illustration software which can actually back test historic data of S & P Index? This average 6% returns is not the real picture.
 
You usually get a historical performance report with the assumed interest rate ledger. see attached AXA hypo.
 

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Is there illustration software which can actually back test historic data of S & P Index? This average 6% returns is not the real picture.

A good many of the illustration software published by the carriers do this. Often as part of the illustration itself. If you want to learn the product run the illustration and read the illustration.
 

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