• With more conservative assumptions, policyholders pay in higher amounts in premiums than are required to pay the death benefits they contract for.
• Because the premiums earn more in reality when invested than they were assumed to and because the benefit payouts occur less gradually in reality than they were assumed to, a significant amount of inside build-up
  occurs under these policies and the policies' cash value accumulates quickly.

1991 - GOV Report - A DESCRIPTIVE ANALYSIS OF THE INSURANCE INDUSTRY - [PDF-GooglePlay-185p] -> Not on govinfo.gov

• House - COMMITTEE ON BANKING , FINANCE AND URBAN AFFAIRS -Subcommittee on Policy Research and Insurance on the U . S . insurance industry