What is the minimum guaranteed sum assured in a variable life policy based on a single premium of Ps. 450,000?

In a variable life insurance policy, the minimum guaranteed sum assured is typically expressed as a percentage of the single premium paid by the policyholder. By selecting 200% of the single premium for a policy issued with a single premium of Ps. 450,000, the minimum guaranteed sum assured would be Ps. 900,000.

This option aligns with common industry standards where the minimum amount assured is designed to provide a safety net for the policyholder, ensuring that, regardless of the performance of the investment component of the policy, the policy will not fall below this guaranteed amount.

The decision to set a higher guaranteed sum, such as 200%, reflects an attempt to provide policyholders with a sense of security, especially in volatile market conditions. This guarantees that the policyholder or their beneficiaries will receive at least this amount, even if the investments do not perform favorably.

Thus, this minimum guaranteed sum significantly adds value to the policy by assuring that the policyholder's initial investment is multiplied, providing peace of mind.