It's very easy for me to use, I don't have to look up anything or do any calculations myself. Everything is done automatically by the program so there are no errors in my calculation. It also makes it easier for anyone else who uses this system because they can just enter information instead of having to calculate everything themselves. The only thing that could be improved would be if you were able to choose between different insurance companies when adding your policy into the computer. For example, some companies charge more than others, but with ULI you're not given that option. If you want an accurate way of calculating how much money you'll receive over time without doing all those math yourself then go ahead and purchase this software! You won't regret it! We're using this program to help us figure out what our monthly payments will be after we retire.