Originally Posted by life_interrupted
I find all the comments posted here to be helpful. I appreciate the input.
Since there is flexibility to change the rates by issue age, it looks like the best thing to recommend would be simply changing the rates at the older ages so that anyone either buying or renewing at those older ages would have slightly higher rates. This would avoid the question altogether and remove those cash values that appear here and there. I played with the rates and that should not be difficult.
And yes, the smoothness testing is something we have already identified as a consideration.
Again, thanks for the feedback.
Now that you have feedback, send an email to each state where you plan to sell the policies. They will provide free answers to all your questions, although they may require you to submit a filing before officially responding to some.