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hi its Nash from Alpha Phi and today Im going to continue talking about the options if a client has the question of if you cannot or do not want to pay any more into the policy what are those options so we talked about the premium offset today were going to dive into the reduced paid app and then that third option is the automatic premium loan so premium offset just going over them briefly real quick again uses the annual dividend to pay the annual policy premiums but it keeps that premium due so that the policy continues and those premiums are still buying uh whole life insurance the reduced paid up option the premium is reduced to zero and the policy is paid up dividends will grow and as long as its the puai option for the dividend which all these policies that we design are selected and designed that way then the death benefit and cash value will continue to grow year over year as Dividends are credited but no more contributions can be made to the policy both to base premium but
