Скачать или смотреть Whole Life Insurance Expenses Explained: The 4% Actuarial Equation Behind Cash Value Growth

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Ever wonder how insurance companies calculate your guaranteed cash value growth? It's all based on a specific actuarial equation that most people never see.

🧮 The Actuarial Equation Breakdown:
• Fixed expense ratio: 4% factor (industry standard)
• Mortality expense: Based on your age and health rating
• Formula: 4% factor - mortality expense = guaranteed cash value growth rate
• This determines when your cash value equals total premiums paid

📊 How It Actually Works:
✅ Insurance company starts with 4% base factor
✅ Subtracts mortality cost based on your specific age
✅ Subtracts additional cost based on your health rating
✅ Remaining percentage = your guaranteed cash value growth
✅ This rate determines your policy's cash accumulation

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