lessr's card carries a stated rate of about 7–8%; the effective rate we cite (as low as 1–2%) nets the dividend your policy keeps earning while it backs the card, and is illustrative — it depends on your policy's dividend rate and isn't a guarantee. Neither figure depends on your carrier, so we don't publish a carrier-by-carrier comparison here.
The general concepts we reference — how policy loans work, what Direct Recognition is, typical stated-rate ranges — come from publicly available carrier disclosures, SEC filings, and industry sources. For your specific carrier's policy loan rate, ask your carrier's policyholder service line; we don't quote it for you.
If you spot an error in anything we've stated, email hello@lessr.net.