You must weigh the advantages of the reduced cash value return with the newly acquired benefits of the proposed plan. (navymutual.org)
In fact, between the years of 1991 and 2011, research has shown that the annualized cash value returns for certain policies from major life insurance companies ranged from between 2.62 percent and 4.44 percent. (burialinsuranceplans.org)
It is also misleading, because upon death, the percentage of cash value returned to the beneficiaries is always less than 100 % of what the amount would be without having this option, and often 0 %. (en.wikipedia.org)