trends in the life insurance industry - lower credited interest rates on cash value policies and lower guaranteed term insurance rates - are significantly affecting the performance and competitive position of existing policies. In addition, these trends are influencing the way people determine the type of policy that best meets their insurance needs. Knowing the type of policy and how well it is priced or performing may provide new insight into whether the policy is still needed, and, if so, whether it meets the need, suits the policyholder's circumstances, and can be disbursed to survivors properly.
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