Save & Spend compares a modeled whole life policy with a savings account over the selected period.
Savings, loan, tax, dividend, growth and income-yield rate labels show up to two decimals and omit trailing zeros. After-tax savings rates and rate differences follow the same precision. The model keeps the full input values. Shares and loan-to-value ratios show up to one decimal. Complementary allocations total 100%; a share with no positive basis shows —. The non-guaranteed cash-value share in the disclaimer refers to the final year.
The savings panel shows the rate before and after tax. The assumptions and shared report use the same rate formatting. These are illustrative comparisons, not a carrier illustration or recommendations.