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actually have to pay. And what you must pay could dramatically increase over time. How could this happen? Because life insurance quotes for cash value policies can be based on not only guaranteed projections in policy illustrations but also very optimistic non-guaranteed projections. As it turns out, many quotes for all forms of universal life and whole life insurance are based on the non-guaranteed portions of policy illustrations, says Barry Flagg, founder of independent life insurance research company Veralytic. (This does not apply to term life insurance, which has no cash value.) Essenti...

But others don't see a five-alarm-fire scenario. Many of the bigger buyers are well-capitalized firms and not all deals are inherently bad, according to some analysts. Policyholders may benefit from potentially higher investment returns in an environment of low interest rates. "I don't know if I'd say [they're] unfounded," Dafina Dunmore, lead analyst for alternative investment managers at Fitch Ratings, said of the fears. "I'd say they're overplayed." 'Watch closely' The pace of acquisitions has accelerated since 2014, according to Refinitiv, which tracks financial data. There were 191 priva...