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@dinkold Yes, they match....2% charge and 2% crediting. The policy has been max funded. There is a no lapse guarantee but only through year 10. However, there is a life paid-up rider (overloan protection) that is available starting in year 15. I won't need to take a loan, so lapse won't be...

@dinkold Here's the language on the timing of the interest credits and charges. So I wind up being a tiny bit in the red....is that right? LOAN ACCOUNT If You borrow against Your policy, We will transfer the amount You borrow into Your Loan Account. The effective date of the transfer is the...

Given that policy langage below, if I take a $100k loan during year 10, is that $100k loan locked at 3.5% until it's paid back OR will the interest rate on said adjust down to 2.0% at year 11? "Interest charges accrue daily on any Loan Indebtedness at the current annual loan interest rate"...