You can choose to receive your Guaranteed Special Benefit and regular cash benefits or accumulate them with us at a non-guaranteed rate of 3.25% p.a. (at an investment rate of return of 4.25% p.a.) or 2.00% p.a. (at an investment rate of return of 3.00% p.a.). The rate of accumulation is subject to change at any time as determined by us.
You can change this option at any time during your policy term. Accumulated cash benefits can be withdrawn at any time with no penalty, subject to our requirements.
If you have chosen to receive your Guaranteed Special Benefit and regular cash benefits, and payout is at any time unsuccessful, that amount will automatically be accumulated with us at a non-guaranteed rate.
For corporate policies, the Guaranteed Special Benefit and all regular cash benefits will automatically be accumulated.