Jackson National 1980s SPWL Policy

Has anyone here experienced claims on these policies?
These were created pre-tax act and provided a great deal of income tax-free money to the client, they were designed to do this via the use of net zero policy loans. The policy was designed for the policy owner to take loans.

The beneficiary is being told that the interest that accrued since the last anniversary date was debited daily, but the interest that would be credited is only credited on the anniversary and that JNL will not be adjusting for the partial year. Many months of interest is being charged, but the offsetting interest is
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