A Computerized Statement Provided By The Insurance Company For A Specific Policy Shows How Much Money I Will Get Back In Various Years After Buying The Policy? Are These Numbers Guaranteed? Is It Right That I Could Stop Paying Premiums After Only A Certain Number Of Years?
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UPDATED: Sep 15, 2020
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Read the fine print carefully. Such projections often include the value of dividends, which may be paid over the years of the projection. But dividends are not guaranteed to be as projected. The company may decide to pay less (or more) than shown in a projection. If the dividend rate changes, you may not be able to stop paying premiums in the number of years shown on the projection.