Let’s make sure we are seeing the forest through the trees.

July 22, 2026 by Sheryl J. Moore

Agents, be advised…

If your client is paying 1.00% a year for a premium bonus, rate buy-up, rider fee, etc., you need to analyze the product.

*****At the end of year 10, those charges have accrued to exceed 10%.*****

Is the net premium bonus considerably higher than 10%?

Did the client earn an additional 10% in indexed interest over the prior decade?

Is the rollup on the rider greater than 10%?

Let’s make sure we are seeing the forest through the trees. -sjm