3 ways to access cash value Unlike regular term, John Hancock Simple Term with ROP offers maximum flexibility based on client needs
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1
Wait for full term length: 100% return of premiums paid by the end of the level-term period
2
Access available CSV via policy loans: Provides access to cash value while maintaining death benefit protection (current interest rate 8%)
3
Policy surrender/lapse Provides access to available cash value at time of surrender or lapse if death benefit protection is no longer needed
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