Premiums are paid into your policy’s account value (after a premium expense charge), where it earns interest. Everyone month, various deductions, such as charges for insurance protection, are made from the account value. You are given the ability to take loans or make withdrawals from the account value for your personal needs. Loans, however, accrue interest and unpaid loans plus interest and withdrawals will reduce the death benefit and cash value. The policy continues as long as the cash value is sufficient to cover the various monthly deductions.