THE NATURE OF DIVIDENDS

  -Dividend

  -Divisible Surplus

  -Dividends — Not Guaranteed

  -Why are dividends not
   guaranteed?

  -Dividend Scale

  -Dividend Accumulation Rate

  -How is the interest rate
   determined?

PHILAM UPDATE
ON DIVIDENDS

  -What are the dividend
   adjustments done?

  -Why is Philamlife lowering the
   dividends?

  -What is Philamlife’s experience
   in the past years?
  
  -Is Philamlife losing?

  -How does this change
   affect my policy?