So if a company carries out the theory, it refigures all these dividend rates every year. The amount of death value in a policy also affects all these charges and refunds. Taken by itself, this is sensible variation, but when applied to hundreds of thousands of rates per $1,000 death value, it multiplies the mess. And, of course, a buyer of life insurance pays for all this red tape. With life-insurance rates as complex as they are, nobody is going to try to understand them unless he is something of a statistician and has lots of time available. Normally a customer depends on the word of an insurance agent as to what policy to apply for, in what amount and in what company.

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