How to correctly illustrate face amount decreases with Inforce ...

Step 4 Presenting the Illustration4In this example, the face amount was reduced from $300,000 to $200,000 in year 7. Please notethe face amount adjustment as well as the reduction in the fund value. The reduction in the fundvalue reflects the partial surrender charges that are taken, in accordance with our contracts, whena face amount is reduced.With Face Amount reduction:Without Face Amount reduction :4