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So I looked into the policies.  Each policy does include a "maximum dividend available", a "paid-up additions face amount", and a "paid-up additions cash value". 

My policy shows a maximum dividend of $469.56, "paid-up additions face amount" of $2277, and a "paid-up addition cash value" of $469.56.

My oldest's account is: "max. div available" $213.18, "paid-up additions face amount" is $843, and "paid-up additions cash value" is $80.21.

My youngest's account is: "max. div available" $182.11, "paid-up additions face amount" is $2021, and "paid-up additions cash value" is $182.

 

This is all of the information I can see on the policies.  We have never received any tax forms in the pass for interest earned on these accounts.   Is it still advisable to not withhold?  I just don't want to too surprised next tax year.