Guaranteed basis and non-guaranteed basis usually refers to the cash accumulation of the policy. When whole life insurance is illustrated, the cash value is shown on a guaranteed and non-guaranteed basis.
Guaranteed cash value is just that - guaranteed. This is the minimum cash accumulation you will receive assuming all premiums are paid and no withdrawals are made during the period illustrated.
The non-guaranteed illustration shows what the cash accumulation might grow to based upon the current dividend paying rate the insurance ...
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