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The insurance investment plans are made for the retirement. If you take out money from the premium then you will have to pay some penalty to government as well as insurance company. So when you withdraw, you will surely get penalized.
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Not many cope with the stress and the problem. They begin to distrust everyone, same way the banks do not trust each other today. All are in same boat.
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Here are questions you want to be aware of. A simple answer with great value seems impossible with these questions. If your questions are somewhere along the lines of these items, be on the lookout for naive tax advice.
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