Describe the three typical nonforfeiture options. Why do insurers offer nonforfeiture options? Illustrate the three nonforfeiture options

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Describe the three typical nonforfeiture options. Why do insurers offer nonforfeiture options? Illustrate the three nonforfeiture options in the case of John Brahms, who currently has a policy with $24,000 of cash value. John is 38 years old.
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