What influences future premium adjustments in an Adjustable Whole Life policy?

In an Adjustable Whole Life policy, future premium adjustments are primarily influenced by the actual experience of mortality, expenses, or investment returns. This is because these factors directly reflect the insurance company's financial performance and the risk associated with providing coverage to policyholders.

When the insurer evaluates its mortality experience, it looks at the actual claims paid out compared to what was anticipated. If mortality rates are higher than expected, this could lead to increased future premiums to ensure the policy remains solvent and can cover its obligations. Similarly, if expenses rise beyond what was originally forecasted, or if investment returns fall short of projections, the insurer may need to adjust premiums accordingly to maintain the policy's financial health and sustainability.

These adjustments ensure the insurer can continue to provide the promised benefits to policyholders, reflecting the real-world impact of various factors on the insurance pool. These considerations are fundamental to keeping the policy viable over its term, hence making this the correct answer.