Duration-graded: 8%/6%/5%/4%/3.5%/3%/2.5%/2%/1.8%/1.5% then 1.2% to duration 40
| 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 |
UL has higher early-duration lapse than WL due to flexible-premium design + secondary-guarantee shopping.