If market returns don't match illustrated assumptions, if market conditions become unfavorable, or if crediting rates decline, the policy will experience lower cash value and higher risk of lapsing during retirement income withdrawal phases, defeating the stated purpose of the policy.
causalpending
Speaker
ChrisEvidence Quote
“if the market doesn't perform as as we think it's going to do... if the conditions don't remain favorable or if uh you know the high crediting rates don't keep coming in well if any of these things happens or doesn't pan out um it's likely to lead once again to a lower performance in the policy lower cash value and therefore higher chance of lapse”
Created: 8/13/2026, 9:45:45 AM
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