The CBIA Level 80 Term Insurance protection plan has a long history of stable rates. However, our rates are not guaranteed and can change in accordance to plan performance. This allows us the freedom to reduce your future cost to reflect better than anticipated overall plan experience and our break-even pricing goal.
While it is possible that poor experience would necessitate a future rate increase, we help insulate our clients against this possibility by maintaining large cash reserves that can be used to offset and even eliminate this need.
While the past is not a guarantee of future performance, in the last 13 years, most of our clients have shared in over $43,000,000 of better than anticipated financial results through rate reductions, improved benefits, and returned premiums.