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If Overloan Protection rider (OPR) is valid and approved in the state, the rider will be added to the policy. To remove the Overloan Protection rider from the illustration, due to special circumstances, select 'No'.
Overloan Protection rider prevents the policy from lapsing due to the outstanding loan exceeding the accumulated value less the surrender charge. When exercised the policy becomes 'paid-up' at the point the policy is about to lapse and will prevent the tax liability that results when a policy lapses due to being over loaned. There is no premium for this rider.