All mutual life companies have had to lower their projected dividends due to the low interest rate environment we have been in for the past 6+ years. Due to the historic low interest rates, dividends have been lowered and affect the non-guaranteed cash surrender value of policies.
Mutual companies that lower their dividends are acting prudently to ensure they will be your financial partner for life. Remember the Infinite Banking Concept is not a short term strategy and has never been presented as such. This is a lifetime of accumulation process that gets better with age. Policies will continue to grow with the lower dividends and have tax-free death benefits that increase year after year.