So you're saying that BNTRS was not comparing "apples to apples".
You're saying that an 8.78% average declared dividend rate does NOT mean that my policy cash value has grown by 8.78% (but by some lower amount?).
You're saying that an 8.78% average declared dividend rate is not the same as an 8.78% capital appreciation.
Which one grows my bottom line more: 8.78% average declared dividend rate or an 8.78% capital appreciation (and we'll forget about my 2% to 5% stock dividend payments for now)?
Wait a minute. You drag this on claiming you know better than us, and suggesting we're buffoons incapable of refuting your highly sophisticated claims and then when presented with the math you so desperately sought you whine and declare it bulls--t? And then you show us that you clearly do not understand the most basic principle of participating whole life insurance?
So as I suspected, you're overzealous assault on whole life insurance stems from your vast ignorance.
A dividend rate represents the yield in a given year of a whole life policy's reserve (cash value for all intents and purposes).
Even though the data is public and widely available, I'll do your work for you and post the numbers when I'm on the computer I used to look at it. For now please note that there is no need to send PM's to me with obscenities.