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URL:  http://boards.fool.com/at-the-end-of-the-year-the-company-does-an-30046897.aspx

Subject:  Re: It's Whole Life - not annuities Date:  5/17/2012  8:06 PM
Author:  Rayvt Number:  70699 of 80262

At the end of the year the company does an accounting based on their activity (income/loss) during the year. If they make money,