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Participating Policyholder Rights

Published by Best’s Review ®, Life Health Edition, December 1995 ©A. M. Best Company – used with permission

Insurers traditionally disclose little if anything substantive about policy operations and performance...

Policy holder participation rights will likely be the next major issue for life insurers, presenting challenges comparable to the industry’s struggles with sales practices, financial solvency and illustrations. Considering the impact managerial decisions can have on policyholder costs and cash values, the lack of reliable information about what rights participating policyholders have regarding current earnings distributions and how such distributions are made among the policyholders is dangerous indeed. Permanent life insurance policies and annuities are long-term contracts with significant up-front loading costs, and as competition gets fiercer, customers will want a better understanding of their policyholder rights and of the insurer’s obligations.

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