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No I would never say that. I'm trying to calculate how missing some payments would effect the length of time it's in force . It's important to try to understand how these work
With some illustration software you can schedule premiums and have it miss a few years and see what it does.
Bottom line is that if you are looking at an illustration and it says "Guaranteed Values", then that is the maximum charges and minimum interest rate.
It is important to know that missing a premium does not mean it will automatically lapse before age 100. They will receive a notice in the mail telling them that to continue the policy to age 100 they will need to pay more per month or a lump sum to make up for the missed premiums plus interest. So they will be able and reminded to make it whole again if they wish.
Long story short, if they miss a premium the Guarantee to age 100/121 can be restored by catching up on the premiums. And the client is informed of this when it happens.