I'm looking hard for a new company, but the one thing I find hard to calculate is the effect of the USAA dividends on the effective rate. I have been getting dividends on my policy dollars and SSA for the past 30 years, ranging from a low of 2% to a high of about 30% (assuming that we treat dividends added to our SSA as real dollars).

What would be a reasonable way to calculate the expected effect of the potential dividend on todays premium?

Joe