Another helps you compare your costs if you don't give up your policy before its coverage ends. Some help you decide what kind of questions to ask the agent about the numbers used in an illustration. Each index is useful in some ways, but they all have shortcomings. Ask your agent which will be most helpful to you. Remember that no one company offers the lowest cost at all ages for all kinds and amounts of insurance.
Some policies have low cash values in the early years that build quickly later on.
Other policies have a more level cash value build-up. For example, interest rates are important in determining policy returns. In some companies increases reflect the average interest earnings on all of that company's policies regardless of when issued. All rights reserved.