CTC Elements Illustrations

The most comprehensive illustrations engine in the marketplace


CTC has been delivering a fully compliant illustration capability to leading organisations since 1990. We are acknowledged experts in the provision of calculations, Key Features and other illustrations for both new and existing business, offering extensive parameter-based setup facilities catering for a wide range of charging, product and fee options.

Elements generates illustrations for both new and existing business, pre-retirement and drawdown. Illustrations can be created for individual products, multiple products (blended quotes) including bundled products with platform charges. Illustrations and quotes can be produced for all types of savings and risk products.

The Elements calculation module can operate on a stand-alone basis or integrated with other systems and existing ‘web presences‘, either internally or externally (e.g. portals). Standard and customisable output can be generated directly in PDF format or through Document Production systems and transmitted electronically reinforcing a paperless environment.

Elements is maintained in line with regulations, and clients confidently rely on CTC’s technical accuracy. CTC has a proven track record of responding swiftly to regulatory changes. More so, CTC actively engages with regulatory bodies to influence developments.

Protection product coverage includes:

  • Support for all Life Assurance products
  • Total product coverage
  • Key features
  • Configurable approach
  • Full process support
  • Workflow Control
  • Quotation Management and Reporting
  • Quote & Apply
Aviva has successfully grown its retail platform providing advisers with a fast online quotes capability using Elements

Following pensions freedoms there has been notable product innovation involving ‘blended’ retirement products. CTC can fully support the following range of products, which can be added/blended with drawdown through illustrations and modelling capability:

  • Complex income and capital guarantees
  • Annuities: Fixed/Deferred/Lifetime
  • Equity Release
  • DB Pensions*

Product Guide





Protection & GI

Savings & Investments

WRAP Propositions

Web front end

Web services

  • Tailored
  • Full site or iFrame
  • Comprehensive suite
  • Leveraging industry standards for format and content

Modelling Tools (Components)

Customer/Risk Profiler


Scenario Generator/Comparison


Suitability Analysis

Calculation Engine





Common Services


  • Links can be provided to CTC’s innovative Retirement Hub, which includes retirement modelling and tax planning tools.
  • Multiple Contribution Streams are supported; as such a number of transfer values and or regular/single contributions can be shown in a single illustration. Each stream can be attached to multiple funds with different growth and charge parameters.
  • What-if scenarios can be run online interactively. This includes the ability to target benefit or fund levels or income profiles, vary contributions as well as the date and format of the benefits to be taken. Results can be viewed graphically alongside detailed numbers.
  • Illustration production is controlled through a workflow. At each step, data is validated for completeness and consistency. Both the parameters used and output are stored against the customer record for future retrieval. This provides a full audit trail and the ability to reproduce or copy illustrations. MI reporting provides information on volumes, values and distribution.

Key Features Illustrations

Elements Illustrations offers extensive parameter based set up facilities catering for a wide range of charging, product and fee options. Product coverage includes:

  • Defined Contribution arrangements (Individual and Group)
  • Life Assurance Protection, Savings and Investment Plans
  • Full range of Wealth Management Products
  • ISA, OEIC & Unit Trust Based Products
  • Annuities – conventional, investment linked and third way
  • Onshore/offshore bonds

Elements provides full support for new and existing business, both pre- and post-retirement, including SMPI and drawdown reviews, including:

  • Flexi-access drawdown
  • UFPLS – full and partial
  • Phased Drawdown
  • Capped Drawdown (including Drawdown to Drawdown transfers)

Illustrations is a web based solution capable of handling complex products and high volumes. Distinct features available are:

  • Online access for advisers, employers and individuals
  • Benefit Modelling and What-if calculations
  • Online Application processing (i.e. ‘Quote and Apply’)
  • Bulk Quotations & Group Illustrations
  • Management Information Reporting

Client Front End

Front and back end common integration – web services (XML/SOAP), Origo Standard where available.

Interested? We'd love to hear from you.

  • 0800 689 4739
  • enquiries@ctc.uk.com
  • Sunley House
    4 Bedford Park
    CR0 2AP

Contact Us

Request a callback for further information about our services.

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