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- Your premiums may increase if the companies expenses increase
- You may incur surrender charges if you cancel your policy
- Your cash value may incur up front load charge
- Your mortality cost may increase each year, depending on your policy.
- Your money accumulates in a cash value account tax deferred
- You can borrow or withdraw from the policy
- You may be able to vary the premium and time of payment
- You can tailor the death benefit to remain level, increase or decrease.
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