To keep policy illustrations from misleading customers, the National Association of Insurance Commissioners (NAIC) adopted the Life Insurance Illustrations Model Regulation, which has been adopted by many states. Under this law, illustrations must clearly depict which rates of return are guaranteed and which are not. In addition, agents must make sure that you understand that the nonguaranteed elements of the policy are subject to change and can be higher or lower than what is illustrated. Illustrations must include a column that shows a rate of return between what is currently being paid by the company and what would be paid if the nonguaranteed rates were midway between the current and guaranteed rates.