Life insurance is a sales job. Projections mean nothing. Guaranteed rates mean everything. Remember, a projection is just that: a hoped for outcome, not a guaranteed payout to you.
Your life insurance company is not necessarily obligated to pay exactly what they say they will on a projection. There are numerous things that can affect the outcome. Keeping a close eye on the dividends you have, can mean a great deal of heartache that can be avoided.
The best thing to do always whenever you are reading over any type of statement or financial document is to make sure you read it completely and carefully.
Be sure you know what every clause means and how it will affect you. Sometimes you may read something wrong and have an unpleasant surprise later, if you decide to make a change to your life insurance policy.