An expense charge schedule is the detailed breakdown of policy charges over time-premium loads, monthly administrative fees, per-unit charges, and surrender charges. Schedules show current assumptions and guaranteed maximums so clients can see how expenses affect cash values and required premiums. Carriers publish schedules in policy pages and illustrations; advisors review them during annual policy audits. Knowing the schedule helps identify opportunities to improve performance through funding adjustments or product replacements when justified.

Advisors share the schedule page from the policy or illustration, highlighting premium loads and monthly fees over time. They stress that lower expense structures can improve long-term performance, all else equal. When charges are high, advisors model additional funding or product changes so the policy meets goals without surprise shortfalls.