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While your HLV is the stream of annual net contributions until you retire, the present value ofyour HLV was displayed on the HLV analysis page because the vast majority of life insurancepolicies today pay a single lump sum death benefit. We wanted to give you a comparablelump sum figure that would be helpful as you analyze your situation. When you die, yourbeneficiary is responsible for taking that lump sum of money and investing it, so that youreconomic contributions can be replaced. Not such an easy task! However, what if thereexisted a life insurance policy that paid your family these year-by-year contributions youwould have made? Your survivors would miss your wit and charm, but from a purely financialperspective, 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?