Part of what determines the appropriate premium amount to charge a customer is based on the insurer's assumed rate of return on its long - term investments. (slaw.ca)
Assuming a rate of return of 3 % — if you want a bigger return than that would you'd incur risk you don't want at that age. (wealthsimple.com)
The above assumed rates of return are 4 % and 8 %. (comparepolicy.com)