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Cash values accumulate for future needs at competitive interest rates on a tax-deferred basis.
You design the policy based on your need for protection, and the premium you wish to pay. Your premium pays for the policy costs, and the excess accumulates in your cash value account. As your policy grows, you have access to the cash value through withdrawals and loans at preferred rates. Your policy's death benefits and minimum cash value interest rates are guaranteed by the insurance company for a specified length of time. Once in force, your policy will not be canceled for any reason, as long as minimum premiums are paid when due.