Abstract: A method and computer program for evaluating the sustainability of a permanent life insurance policy involves helping a user choose a type of insurance policy that is appropriate by asking the user a series of questions relating to the person's risk and management preferences. A confidence factor is determined for an insurance policy's funding premium, wherein the confidence factor indicates a probability that the policy will sustain until a user-selected age, such as the age of one hundred. The confidence factor is determined by applying parameters of the user's policy to one thousand trial illustrations developed using performance information from actual portfolios over the last forty years, and reporting a percentage of the trial illustrations that sustained through age one hundred. If the confidence factor is unacceptably low, the user adjusts the premium and/or an investment allocation scheme to generate a new confidence factor.