| Normally, in order to qualify for the guaranteed death benefit (GDB), the policy owner must have cumulatively paid premiums equal to a minimum amount. This amount would be the sum of month by month GDB premiums (aka No Lapse Guarantee). The monthly GDB premium is normally adjusted when coverages or coverage options are modified after issue. SumGDBLifePrems represents the total of GDB premium sums for all coverages. Normally, if the policy holder cumulatively pays this amount, they qualify for the death benefit guarantee. |