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Subject:  Re: Strategy comparison S&P500 vs. IUL [rev 1] Date:  4/7/2013  3:39 AM
Author:  CCinOC Number:  71760 of 90120

Loans reduce the policy’s cash value and death benefit until repaid and also have loan interest that is payable annually on the total loan balance. So, the benefit payable to heirs can be fully restored if a loan is repaid but, until such time, a lesser death benefit is payable and interest is earned only on the net cash value.
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