For Adjustable Whole Life, what element cannot result in premium adjustments?

In the context of Adjustable Whole Life insurance, premiums can be influenced by several factors, but specific health changes of the life insured do not typically trigger adjustments in premiums. This is primarily because Adjustable Whole Life policies usually have a level premium structure that is established at the outset based on various risk factors, including initial health assessments.

General market trends, the mortality experience of the insurance pool, and the investment performance of the insurer can directly affect the insurer's overall costs and profit margins, which may lead to adjustments in premiums for policyholders. For example, if the mortality rates of the pool increase or if investment returns are lower than expected, the insurer may need to adjust premiums to ensure the policy remains financially viable. However, once the policy is issued and the rates are set, individual health changes after the fact do not affect the premium unless there are specific policy provisions that allow for such adjustments, which are uncommon.

Thus, specific health changes of the life insured are not a factor that would lead to premium adjustments in Adjustable Whole Life insurance policies.