Costs and risks

A plan deserves attention when it looks attractive. It deserves closer attention when its funding, dividends, or borrowing assumptions change.

This collection explains cost categories, what is guaranteed, why loan tax treatment is conditional, and what can happen when payments stop. Each issue affects the money or coverage available to a household.

If you already have a warning about lapse or unpaid amounts, contact the insurer promptly about the actual deadline. Reading an article does not suspend a policy deadline.