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#1851830
Joseph
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CA, in the long run it was almost exactly even. The Level Term policies obviously charged the same amount every year for the term of the policy. The ART increased most years (some years were the same premium as the previous year.) The Level Term policies cost more in the first number of years in the policy but cost less in last few years of the policy. But if you counted all the premiums cumulatively for all the years of the Level Term policy it equalled about the same for the same number of years with the ART policy.