Section 1. Amend Section 2911, Title 18, of the Delaware Code by striking the words "at a specified rate of interest, not exceeding 6% per annum, or if payable in advance such interest shall not exceed the rate of 5.7% per annum an amount equal to or, at the option of the party entitled thereto, less than the loan value of the policy" as they appear in the first sentence of subsection (a) of said section, and inserting in lieu thereof the words "at a rate of interest, not exceeding 8% per annum, or if payable in advance such interest shall not exceed the rate of 7.4% per annum, an amount equal to or, at the option of the party entitled thereto, less than the loan value of the policy. Before approving any policy provision providing for a rate of interest in excess of 6%, the Commissioner may require assurances by the insurer that the holders of such policies will benefit from the increased earnings of the insurer resulting from the use of such higher rates, through the use of higher dividends or lower premiums, or both."