About the author/site · Vocus @WUCJ ↗ · Editorial policy
Page version: 2026-08-25 | Official or primary sources are preferred for material rules and figures. AI may assist structure, translation, and code, but is not used as the sole factual source.
What is being shared?
Bonuses are calculated from the participating block's actual experience under the policy formula and can reflect items such as investment, mortality and expense experience.
Guaranteed and non-guaranteed benefits must be separated
Current sales-disclosure rules require separate presentation. Illustrations must include a most-likely bonus, a lower bonus and a zero-bonus scenario.
“Most likely” is not a promise
The more useful question is whether the policy still makes sense if non-guaranteed bonuses are materially lower or zero.
Annual bonus disclosure
Insurers must provide annual bonus information after the contractual bonus period begins and publish bonus-distribution information and realization rates.
Simple case
A policyholder may mistakenly add guaranteed benefits and the illustrated “most likely” bonus and treat the total as guaranteed maturity value. The safer method is to evaluate the policy first using only guaranteed benefits.