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While your HLV is the stream of annual net contributions until you retire, the present value of your HLV was displayed on the HLV analysis page because the vast majority of life insurance policies today pay a single lump sum death benefit. We wanted to give you a comparable lump sum figure that would be helpful as you analyze your situation. When you die, your beneficiary is responsible for taking that lump sum of money and investing it, so that your economic contributions can be replaced. Not such an easy task! However, what if there existed a life insurance policy that paid your family these year-by-year contributions you would have made? Your survivors would miss your wit and charm, but from a purely financial perspective, it’d be like you’re still bringing home a paycheck. If such a product existed, would you be interested in it for your family?