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The hybrid product design allows policyholders to invest in variable accounts without fear of lapsing their policies in market downturns, but only after the policyholder has funded the general account enough to support the death benefit. 23 Register-Guard guest column that reforms should ensure that `participants choosing a variable account would see their account balances rise and fall with the market. Since its debut in November 2006, HD Lifetime Five has met with market success: variable account values with the HD Lifetime Five feature totaled over $1. |
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