Duration-graded: 6%/5%/4%/3.5%/3%/2.5%/2%/1.8%/1.5%/1.2% then 1% to duration 50
| source | SOA US Individual Life Persistency Update |
| derivation | data_calibrated |
| quality | calibrated |
| set | 2026-05-25 |
| last reviewed | 2026-05-25 |
| next review due | 2026-12-31 |
WL has lower lapse than term + UL given the savings element and surrender-value floor.