| Identifies if a Letter of Intent (LOI) or Rights of Accumulation (ROA) applies to the product. LOI applies to a single contract: letter of intent would indicate the initial dollars and the dollars intended within the carriers guarantee period. ROA is determined on the assets held with the carrier across multiple contracts and LOBs. Based upon the Total Amount of the LOI/ROA, the customer would get the sales charge rate, or the accumulation rate bonus, for the intended amount. If the value is NULL / Unknown, then neither LOI nor ROA are allowed. |