Yes it is true that the elements used in the illustration must remain true for the duration of the policy. If an individual is unsure of whether or not they will be able to fund the policy in a manner that was used in the illustration then IUL may not be the best alternative for them. Using IUL as a key retirement income strategy requires discipline, and if the individual is not prepared to leverage the appropriate amount of long term savings discipline required by IUL another option should be considered.