An insurance product permanent status 10 years that the actuarial interest rate swing at the fifth year, can i do that ??

can i make that insurance product ??, how about the actuarial formula ??
Answers:
There are residence policies with non-guaranteed rates about partially or two-thirds of the way through the policy. What you described already exists in spirit. The guaranteed stuff still tend to be less expensive in practice though.
Hi. I own been in the business for 27 years and I'm not sure what you are asking.

I believe you may want a 10-year possession, policy where the rate can readjust to new mortality table after 5 years. Is that correct?

Some carriers offer 10 year occupancy policies with the first five years guaranteed. Thus, the rate can increase or decrease after five years. Of course, the risk is that the rate will jump up.

Take care Source(s): http://www.ohioquotes.com

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