1-3% of account value annually for in-force UL policies
| source | Company experience studies |
| derivation | expert_judgment |
| quality | estimated |
| set | 2026-05-25 |
| last reviewed | 2026-05-25 |
| next review due | 2026-12-31 |
Lower priority than annuity-side; UL withdrawal typically loan-based not surrender.