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Life · Chapter 9 · Charges & Living Benefits

Annuity Non-Forfeiture Value

Definition
Before annuitization: all premiums paid + interest − withdrawals − surrender charges. If the annuitant dies before the annuity period starts, the beneficiary receives premiums paid plus interest earned.
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These are what this term gets tested against — if you can't tell them apart cold, drill the contrast.

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Verified against primary sources · 2026-08-10