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From The Glossary »

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Universal Life with-profit policies:

Universal life with-profit policies are very similar in principle to their reversionary bonus counterparts, but there are significant differences in the way bonuses are added. The benefit on death or maturity is the greater of the sum insured or the investment account. For some policies the sum insured remains constant until the investment account, which is growing in line with declared bonuses, exceeds the sum insured (referred to as the "break-out" ...
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