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Questions about permanent (whole or universal) life insurance policies
- Are future insurance premiums guaranteed or adjustable by the insurance company?
- Have you located the administration or management charges?
- Have you compared policy cash and fund values to those shown on an original sales illustration?
- Has the policy been promoted as a life insurance policy as an investment or tax shelter?
- Are there minimum guaranteed fund returns in conjunction with the maximum guaranteed costs and charges?
- Are there any guarantees which were on the sales illustration are not missing from the policy contract?
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