31.   The employer owns the cash value of the policy up to the amount of premiums paid.

32.   The executive owns the excess cash value.

33.   The face value of these little additions is added to both the death benefit and the cash value of the policy each year.

34.   The estimated cash value would equal about half of the jackpot.

35.   The loan amount reduces the cash value on your policy, which means that your beneficiaries will get less when you die or get nothing if your policy lapses.

36.   The money from the old policy is then used to buy a policy with a higher cash value.

37.   The premiums that were paid over the years are returned to the employer, and the executive gets the remaining cash value.

38.   The products, with a pre-programmed cash value, would allow consumers to purchase products via computer networks, through vending machines or in face-to-face transactions.

39.   The policy with the lowest premium may also be the one with the lowest return on the cash value.

40.   The smart card is similar to a phone card, allowing users to bypass paper money and coins by adding cash value to an embedded microchip.