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20-02-2024
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Kelly has a universal life policy with a face value of $500,000. The cash surrender value of the policy is $185,200, and Kelly has paid $131,000 in premiums. The NCPI is $77,000. How much could Kelly borrow from the policy?

a. $77,000
b. $108,200
c. $185,200
d. $262,200

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