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The Mortgage Reduction concept described on this website is a general educational planning concept. Any life insurance policy used in connection with this concept is subject to underwriting, policy terms, costs, charges, and performance. Policy loans and withdrawals may reduce policy cash value and death benefit, increase the risk that the policy will lapse, and may result in tax consequences. Guarantees are based on the claims-paying ability of the issuing insurance company. Results are not guaranteed and will vary based on individual circumstances.