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Premiums may be flexible. Death benefit may be flexible.  Cash accumulation is directly affected by the performance of the investment accounts selected.  The benefits and uses are very similar to permanent insurance such as whole life and universal life where their values increase based on a declared interest rate.

Clients may wish to manage their own cash value account.  Example:  Allocate cash values among various types of investment divisions such as stocks, bonds, money market, etc..  Cash values may increase or decrease depending on investment performance.

 

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Copyright 2001 Kaplan Management & Insurance Services
Last modified: June 13, 2012