How crediting works
Policy values can be affected by caps, participation rates, floors, spreads, policy charges, and timing. A zero-percent index credit does not mean the policy has no charges.
Flexibility also creates risk
Lower-than-illustrated performance, withdrawals, loans, or rising insurance costs can reduce values and contribute to lapse.
- Review guaranteed and non-guaranteed columns
- Stress-test lower crediting assumptions
- Understand loan provisions and surrender charges
- Schedule ongoing policy reviews
Tax treatment needs qualified advice
Tax outcomes depend on policy structure and individual facts. Insurance agents do not replace qualified tax or legal advisors.
Product availability, eligibility, features, and rates vary by state, carrier, and individual circumstances. Coverage is not effective until a carrier approves an application and the required premium is paid.