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. Regardless of which index you use, compare index numbers only for similar policies those that offer basically the same benefits, with premiums payable for the same length of time. 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. Get an instant quote or Needs Estimator . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . All rights reserved.