CLIENT:$$I$$m glad to hear that. If my needs ever change so that a term policy is better for me$,.$

AGENT:$$Excellent$.$ Now, how would you like your benefits to be distributed? We offer lump$-$sum, interest income, income of a fixed amount, income for a specific time period, and life income.

CLIENT:$$Well$,$ I$$d like my family to receive the annual interest earned on the death benefit every year.

AGENT:$$In that case, I recommend$$settlement option.

CLIENT:$$If I choose to terminate the policy before maturity, do I get to keep the cash value?

AGENT:$.$

CLIENT:$$Got it$.$ Anything else?