The rate of return on the cash value portion of universal life insurance is usually tied to some prevailing interest rate in the financial markets or is set by the insurance company. Depending on the terms of a policy, there may be variability in the face amount, rate of cash value accumulation, premiums, and rate of return. We are unable to decipher the terms of your policy with the limited information that was provided. You will need to call the agent and/or insurance company that issued the policy and ask for a detailed explanation, preferably in writing.
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