However, the various policy options, including the guaranteed interest rate, dividend rights, right of rescission, investment account switch rights, irregular premium rights, are not evaluated, and not even being considered in the ratemaking process. 而对于保单中的各种选择权,包括保底利率、分红权、解约权、投资账户转换权、不定期保费等权利,则不进行评估,更不进入费率厘定过程。