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the mortality costs per thousand of death benefit go up, but the amount of actual death benefit at risk drops faster, so the effect is a decreasing internal burden on capital.

That would depend on the age of the insured, the amount of death benefit opted for relative to premium payments, and the credited return rate on the cash value, correct? (That last item is largely but not entirely dependent on the changes in value of the S&P index as per the terms of the contract on an IUL product, which is where most of the debate in this thread is occurring)

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