If a policyholder surrenders a variable life insurance policy with a premium of Ps. 450,000, what amount would they lose considering the fees involved?

When a policyholder surrenders a variable life insurance policy, they may incur various fees and charges that can significantly reduce the cash value they receive compared to the premium paid. In this case, the key to identifying the amount the policyholder would lose hinges on understanding how these fees impact the cash value.

The choice indicating a loss of Ps. 33,246.78 likely reflects a calculation that takes into account the total premium paid, the cash value available at surrender, and any fees or charges levied by the insurance company. Variable life insurance policies often include mortality charges, administrative fees, and potential surrender charges, especially if the policy is surrendered within a certain period.

For instance, if the total fees deducted from the cash value or the accumulated value of the policy are calculated to be around this amount, then the policyholder experiences a substantial loss relative to what they initially invested. The losses can arise from various components, including the cost of insurance coverage and other operational costs that diminish the cash value over time.

It's crucial for policyholders to review their policy documents and understand these fees to make informed decisions about surrendering their policy. A loss of Ps. 33,246.78 suggests that after considering all applicable charges, the remaining value is