Which information is NOT required to be included in a Whole Life Policy?

In a Whole Life Policy, the inclusion of a guaranteed dividend table is not a requirement. Whole Life Insurance policies can offer dividends to policyholders, but whether these dividends are guaranteed can vary depending on the specific policy and the terms set by the insurer. If dividends are not guaranteed, the insurer may not be obligated to provide a guaranteed dividend table.

On the other hand, essential elements such as the premium payment schedule, which outlines when and how much the policyholder needs to pay, and the rights of the policyholder, which detail what the insured can expect in terms of coverage and benefits, are standard components of insurance documentation. Additionally, an insurer's obligations specify what the company is required to do under the policy terms, such as paying out the death benefit or providing cash value. These details help ensure that the policyholder has a clear and comprehensive understanding of the terms of their insurance coverage. Thus, the absence of a guaranteed dividend table in a Whole Life Policy reflects the variability and potential non-guarantee of dividends dependent on the insurer’s performance, making it the correct answer in this context.