... annuity commencement age, etc. As such, they are for reference only and shall not constitute an indication of future performance. In addition, the projected total IRRs include non-guaranteed portion of return, therefore such rates are not guaranteed and may be changed by the insurer from...

.../1 4.3 Grace Period 4/3 4.4 Beneficiary Designation 4/4 4.5 Nonforfeiture Benefits 4/5 4.6 Policy Loan 4/6 4.7 Reinstatement 4/6 4.8 Misstatement of Age or Sex 4/7 4.9 Assignment 4/8 4.10 Dividend Options 4/9 4.11 Settlement Options 4/10 4.12 Suicide Exclusion 4/10 iv 5. LIFE INSURANCE PROCEDURES 5/1...

... 4.5 Nonforfeiture Benefits 4/5 4.6 Policy Loan 4/6 4.7 Reinstatement 4/7 4.8 Misstatement of Age or Sex 4/7 4.9 Assignment 4/8 4.10 Dividend Options 4/9 4.11 Settlement Options 4/10 4.12 Suicide Exclusion 4/10 5. LIFE INSURANCE PROCEDURES 5/1 5.1 Company Operation 5/1 5.1.1 Typical Company Operational...

... Incontestability Provision 4/1 4.3 Grace Period 4/4 4.4 Beneficiary Designation 4/4 4.5 Nonforfeiture Benefits 4/5 4.6 Policy Loan 4/6 4.7 Reinstatement 4/7 4.8 Misstatement of Age or Sex 4/7 4.9 Assignment 4/8 4.10 Dividend Options 4/9 4.11 Settlement Options 4/10 4.12 Suicide Exclusion 4/10 iv 5. LIFE INSURANCE...

... Provision 4/1 4.2 Incontestability Provision 4/1 4.3 Grace Period 4/3 4.4 Beneficiary Designation 4/4 4.5 Nonforfeiture Benefits 4/5 4.6 Policy Loan 4/6 4.7 Reinstatement 4/6 4.8 Misstatement of Age or Sex 4/7 4.9 Assignment 4/8 4.10 Dividend Options 4/9 4.11 Settlement Options 4/10 4.12 Suicide Exclusion 4...

... when they retire to cover their daily expenses. Additionally, qualifying deferred annuity premiums are eligible for tax deductions. Annuity plans o�ered by the private sector are mostly deferred annuities, with the annuity payouts usually comprising both "guaranteed" and "non-guaranteed" payouts. The...

... expenses. Additionally, qualifying deferred annuity premiums are eligible for tax deductions. Annuity plans o�ered by the private sector are mostly deferred annuities, with the annuity payouts usually comprising both "guaranteed" and "non-guaranteed" payouts. The “non-guaranteed” part is often a�ected by...

... when they retire to cover their daily expenses. Additionally, qualifying deferred annuity premiums are eligible for tax deductions. Annuity plans o�ered by the private sector are mostly deferred annuities, with the annuity payouts usually comprising both "guaranteed" and "non-guaranteed" payouts. The...

... when they retire to cover their daily expenses. Additionally, qualifying deferred annuity premiums are eligible for tax deductions. Annuity plans o�ered by the private sector are mostly deferred annuities, with the annuity payouts usually comprising both "guaranteed" and "non-guaranteed" payouts. The...

... potential policyholders. (2) Guaranteed annuity payments subject to minimum percentages of total projected annuity payment: Insurers should include a clear presentation in the BI of the guaranteed annuity payments and non-guaranteed annuity payments, if applicable. The guaranteed annuity portion is subject...