The same questions,whichever company issued the policy.

Ask these questions

1. Request an in-force illustration and learn what each column means

2. Which charges grew versus the original illustration

3. How the current cap, participation rate, spread, and floor compare with the sales version

4. Whether loans or withdrawals changed the lapse risk

5. What has to be true for the policy to last to the age you care about

6. How do COI rates increase with age, and what is the projected annual schedule per thousand dollars of net amount at risk

7. What are the minimum and maximum premiums to avoid lapsing, and how do payment schedule changes affect long-term cash value

8. Which riders are included or available, what are their costs, and how do they modify the policy benefits

9. What is the surrender charge schedule, and when can 100% of the cash value be accessed without penalty

10. Which policy terms are strictly guaranteed, and which non-guaranteed elements can the carrier change later

11. What are the estimated cumulative total policy fees and charges over 10, 40, and 60 years

12. Is projected death benefit or retirement income sustainable to age 95 under guaranteed assumptions, and how does it perform in adverse market conditions