The values of money may be available at any time through policy ready and received free to tax. Since these loans decrease the death benefit if n is not repaid, the return is mandatory. L money to support the value of the death benefit so that the death benefit is paid.
Dividends can be used in several ways. All d First, if you paid additives is chosen, the value of money dividends buy additional death benefit, which will increase the death benefit to a designated recipient policy. Another alternative is to choose the reduced contributions on certain policies. This reduces the premiums payable by the amount of the dividend not guaranteed. The third option allows the user to enter the payment of dividends. (Although, with some of the principles of the performance of other options / different / less than that - it varies from a company in some cases)
