11.   In effect, premium payments are immediately recycled back into the company account.

12.   In return, the bank guarantees to make substitute interest payments if that creditor defaults on its bond, and the investor can halt the premium payments.

13.   Instead of a premium payment that disappears every year, he said, most of the money paid to Shippan grows tax-free, making more money available for claims.

14.   It would offer Medicare beneficiaries a choice of plans, with a more comprehensive package of benefits generally requiring higher premium payments.

15.   Notices in that offer were sent only to customers who had complained or whose premium payments were even-dollar amounts ending in zero or five.

16.   Or they lose their insurance when they become too ill to work and are unable to make premium payments.

17.   Policies with such premium payments were selected because those amounts indicated that the policies had been sold as investment plans.

18.   Premium payments for all Americans would be excluded from income for income tax purposes.

19.   Premium payments on the new policy may eventually wipe out the cash value of the old policy, causing both policies to lapse.

20.   Premium payments are fixed and remain the same from the effective date to maturity date.