S1E2: Par insurance policies: Do lower illustrative rates suggest lower returns? WealthBT (Ep 2)

What are par policies, and what are the new illustration or projection rates taking effect in July? (1:50)

Why are par policies’ illustrative rates being reduced? (4:18)

Life funds have actually performed well historically, in excess of the upper limit of the current illustrative rate (7:30)

Her expectation of what insurers’ product lineup of par products might look like in July: Perhaps a lower level of guaranteed return and longer breakeven points (9:28)