u/sisyphus391

Paid Up Joint Life with NML covering my mother and father. Policy renews July 1 each year, and the annual statement for last year, 2025, showed a net accumulated value of ~$21750.

Just got the 2026 statement which shows net accumulated value of ~$27000, but on a separate line for “past year’s accumulated value increase” says $1004. That math doesn’t add up, and it always has in the past on all my policies. Trying to figure out why there was about $4250 in additional cash value in the policy.

I haven’t put anything into the policy — it’s been paid up for years. The only thing I can think of is my dad died this year, and does that trigger some kind of lump sum being added to the policy even though it’s second-pay so it’s not paying out now? Called NML and they can’t figure it out — they show no additions other than interest and the dividend ($375), which they say matches the $1004 increase listed on the statement.

I’m certainly not mad about a random $4k extra, just trying to figure out where it appeared from. Any pros have any ideas?

Hoping for perspective from previous sellers here. I inherited a car and am ready to sell it.

Problem is, it’s in another state. I have plans to travel there in about a month with a window of 2 days where I could arrange the pickup. Is it possible to initiate the sale online now and then arrange for a pickup in 3-4 weeks? What kind of window do they usually give?

Thanks for any insight you can offer!