Small differences in index numbers should be disregarded, particularly where there are dividends or non-guaranteed premiums or benefits. Also, small differences could easily be offset by other policy features, or differences in the quality of service from the agent or company. When you find small differences in the indexes, your choice should be based on something other than cost. Finally, keep in mind that index numbers cannot tell you the whole story. The pattern of policy benefits.
Some policies have low cash values in the early years that build rapidly later on.
Other policies have a more level cash value build-up. Any special policy features that may be particularly suited to your needs. The methods by which non-guaranteed values are calculated. For example, interest rates are an important factor in determining policy dividends. In some companies dividends reflect the average interest earnings on all policies whenever issued.