Uncertain yield

A policyholder sent to me a whole life policy (premiums payable for 10 years) taken for a child age 19, covering a sum assured of $50,000.

         Total      Cash Value                Yield         
        Premium     Gtd    N-Gtd     Total    p.a.
10 yr   $15,980   $14,050   $1,523  $15,573   -0.5% 
20 yr   $15,980   $18,400   $6,887  $25,287    2.2% 
30 yr   $15,980   $23,700  $15,723  $39,423    3.0% 

The yield for the first 10 years is negative. The yield becomes positive over the subsequent 20 years due to the non-guaranteed special bonus. If the special bonus is reduced, the yield will fall accordingly. The yield on this policy is uncertain.