# Enhanced Cash Surrender Value vs Smoothness

**URL:** <https://community.goactuary.com/t/enhanced-cash-surrender-value-vs-smoothness/6166>\
**Category:** Life Insurance\
**Created:** [July 20, 2022, 8:06pm UTC](https://community.goactuary.com/t/enhanced-cash-surrender-value-vs-smoothness/6166 "2022-07-20T20:06:42Z")\
**Posts on this page:** 2\
**Page:** 1

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**Author:** ![Hip\_tiger](https://community.goactuary.com/user_avatar/community.goactuary.com/hip_tiger/32/447_2.png) [@Hip\_tiger](https://community.goactuary.com/u/Hip_tiger)\
**Post date:** [July 20, 2022, 8:06pm UTC](https://community.goactuary.com/t/enhanced-cash-surrender-value-vs-smoothness/6166/1 "2022-07-20T20:06:42Z")

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Some life carriers offer an enhanced cash surrender value for a specific period of time. NCOIL adopted a resolution condemning the practice as violating Standard Nonforfeiture Law smoothness requirements and as a subterfuge for avoiding life settlement and viatical law requirements. What say you?

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<div class="post-metadata">

**Author:** ![Hip\_tiger](https://community.goactuary.com/user_avatar/community.goactuary.com/hip_tiger/32/447_2.png) [@Hip\_tiger](https://community.goactuary.com/u/Hip_tiger)\
**Post date:** [July 20, 2022, 9:37pm UTC](https://community.goactuary.com/t/enhanced-cash-surrender-value-vs-smoothness/6166/2 "2022-07-20T21:37:07Z")

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I wonder if this could revive NAIC interest in old proposed Guideline XYZ for ULSGs?