Thanks. I guess I didn't state my question correctly. The policy premiums were being paid out of the dividends and value of the policy via some automatic premium loan provision I had on the policy from 1994. I exchanged a certificate my mom bought when I was a baby, and for the first 6 of 10 years, the premiums were paid out of the funds from that certificate. I have never paid any premiums and thought that once the value of the certificate was gone, it would just be surrendered. The last communication I received from them was in 2012. It was a billing statement stating premium paid on 4/1/12 of $107.70, plus $8.60 interest paid. The last line stated New Loan: $116.30. Why would they continue a policy for so many years?
