Universal Life Contracts with Raising Rates

How does everyone see the raising rates in the future affecting recently sold Universal Life products? I've been thinking about using ON V-Pro UL. What I wasn't sure about was with raising rates- will in force contracts receive higher rates as well in the future?

The contract guarantees 2.5%. The illustrated current values with 3.55% years 1-10 and 4.3% in Yrs 11+ show a pretty healthy contract.

Am I missing something as this may be a good contract with raising rates?
Source of insurance-forums.net

Comments