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Overloan Protection Rider

Provides that the policy will not terminate because of a policcy loan even if the accumulation value is insufficient to cover policy charges.
The Overloan Protection Agreement (OPA) provides that the policy will not terminate because of a policy loan even if the policy account value or cash value is insufficient to cover policy charges. If all the conditions described in the agreement are satisfied, this agreement may be exercised and will guarantee that the policy will not terminate.  



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