Can insurance products with a guaranteed return of 1.75% be configured?

2026-03-17 12:33:55

A major life insurance company’s investment-type product, which a friend is working on to complete a task with commission rebates. Originally, the principal is guaranteed after 5 years, and profits are only realized after 5 years. After the commission rebate, the first five years’ return is 2% simple interest, but early withdrawal of the principal results in a loss. After five years, the contract guarantees a return of 1.75%, and there are dividends based on company performance. At any point after five years, if a better opportunity arises, policyholders can surrender the policy without affecting the principal or cash value. Can this product be allocated?

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