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Because this increased funding premium is more than necessary in the early years, it enables the policy to withstand subsequent periods of lower interest rates (or modest increases in charges); the substantial increase in age 100 death benefits is the result of paying "more than you have to" (at 5%). An average, voluntary increase of 20-25 percent at younger ages and less than 5 percent at older ages produces a revised funding premium that increases the probability of success to 90 percent or greater. As It also indicates, a modest increase in the initial funding premium can make a substantial difference in the outcome. This means that especially for today's 25 to 55 year olds who are likely to live to age 100, funding their Universal Life policies at the recommendation of a simplistic policy illustration has an equal chance of success or failure of providing the anticipated death benefit. It also indicates that the probability of success of such illustrated premiums - based on historic patterns of increases and decreases in interest rates - trends in the 50 percent range. It indicates funding premiums for males, females, and joint lives as they might be calculated by a Universal Life illustration system at an assumed constant crediting rate of 5 percent (typical in 2005) and currently projected Costs of Insurance. Similarly, there can be a "life expectancy" for policies, calculated on the likelihood that premium funding suggested by a policy illustration will sustain the policy until the insured's anticipated death.