HOW DOES ONE ACCESS THE MONEY IN THE PLAN?

All cash values in the plan can be accessed by either termination the plan, or by taking what is called a policy loan for up to 90% of the cash value in the plan at any time. Policy loans are not taxable. The loans may be paid back into the plan at any time. If not repaid, the insurance company will deduct the loan principal plus accrued interest, from the death benefit, at the time of the death of the insured child.