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premium load

The premium load is the percentage of insurance premium deducted from the premium payments for universal life insurance policies to cover policy expenses, including the agent's sales commissions.

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premium load

The premium load is the percentage of insurance premium deducted from the premium payments for universal life insurance policies to cover policy expenses, including the agent's sales commissions.

Additional Information


Depending on the universal policy design, the premium load may be a front-end load, back-end load, or a combination of the two.