Regardless of economic fluctuations, your client will never receive less than total premium payments, less any previous withdrawals or outstanding loan balances. (standard.com)
However, you are much less susceptible to economic fluctuations if you are prepared. (biggerpockets.com)
By doing so, they won't just create additional sources of revenue; they'll also essentially create a hedge against economic fluctuations that could affect their primary businesses. (commercialcapitaltraining.com)