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Guaranteed vs. Non-Guaranteed Permanent Life Insurance Policies

Fifty years ago, most life insurance policies sold were guaranteed and offered by mutual

fund companies. Choices were limited to term, endowment or whole life policies. It was

simple, you paid a high, set premium and the insurance company guaranteed the death

benefit. All of that changed in the 1980s. Interest rates soared, and policy owners

surrendered their coverage to invest the cash value in higher interest paying non-

insurance products. To compete, insurers began offering interest-sensitive non-

guaranteed policies.

Guaranteed versus Non-Guaranteed Policies

Today, companies offer a broad range of guaranteed and non-guaranteed life insurance

policies. A guaranteed policy is one in which the insurer assumes all the risk and

contractually guarantees the death benefit in exchange for a set premium payment. If

investments underperform or expenses go up, the insurer has to absorb the loss. With a

non-guaranteed policy the owner, in exchange for a lower premium and possibly better

return, is assuming much of the investment risk as well as giving the insurer the right

to increase policy fees. If things don’t work out as planned, the policy owner has to

absorb the cost and pay a higher premium.