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Certain plans have a partial surrender feature after keeping the policy for certain years, this will allow you to withdraw part of the principal and withdraw a lower amount of income. This provides liquidity
Secondary Life Assured
Allows your plan to be transferred to a third party so the other party can enjoy the fruit of your labour whether you are around or not
Certain insurer work with banks to give policy owner the option to finance a portion of their premium. Policy owner will only need to service the interest and can pay back the principal anytime.