Par WL Dividend to Reduce Premium

[bucko1948]

In a mutual company par whole life policy, will using the dividend to reduce the premium (instead of building cash value or purchase paid up additions) result in lower dividend in the future?

OR, are dividends not sensitive to the cash value within a policy?

Please, no theory here. Need someone who actually knows by experience with their company. Thanks.

 

[DHK]

Will it reduce the dividend rate to credit to the policy? No.

Will it reduce the net dividend to be credited to the policy? Yes.

How Whole Life Insurance Dividends Work