# Participating Whole Life

This is an example of a Participating Whole Life Insurance product. The inputs of this service include age, gender, premium term, smoking status, etc. The outputs of this service include quotation of premium rates and illustrations, such as cash flow, surrender benefit, and death benefit.

 The model can either solve for premium based on sum assured or solve for sum assured based on premium.

## Download the service

{% file src="/files/DB3qHsZpp0cBtquz7La2" %}

## Worksheet layout

Here is the detailed walkthrough of this service by worksheet. 

* `Inputs & Outputs` This tab contains the inputs and outputs for this model. The inputs include issue age, gender, premium frequency, etc. The outputs include the premium and premium rates.
* `xSolve` This tab enables you to solve for sum assured based on premium.
* `CashFlowPP` Cash flow illustrations by policy year.
* `Xreport_Illustration`Illustration of surrender benefit and death benefit, by guaranteed and non-guaranteed for each policy year. This tab will also print as PDF from Spark.
* Other tabs: The remaining tabs contains the rates and factors for this model, including index table, guaranteed cash value (GCV) factors, annual dividend (AD) factors, TB (terminal bonus) rates and premium rates.

## Inputs

These are the `Xinput`s in this service.

<figure><img src="/files/P5EMccNbZzqilNWnv6NT" alt=""><figcaption></figcaption></figure>

## Outputs

These are the `Xoutput`s in the service.

<figure><img src="/files/wWYgbjzEuGPYR7nep26x" alt=""><figcaption></figcaption></figure>

This is a snapshot of the `xoutput_cashflow30` for the first 10 years.

<figure><img src="/files/UnFuzFb4uENYVBJq3ioe" alt=""><figcaption></figcaption></figure>


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