Gifts can be cashed in ahead of schedule and the holder then receives the surrender value which is determined by the insurance organization relying upon to what extent the policy has been running and what amount has been paid into it. A few arrangements additionally pay out on account of basic illness. In the event that the cash value decreases, the death advantage likewise decays. Choice B strategies normally highlight higher premiums than choice An approaches. Alternative An is regularly alluded to as a "level death advantage"; death benefits stay level for the life of the guaranteed, and premiums are lower than approaches with Option B death benefits, which pay the policy's cash value—i.e., a face amount in addition to income/premium.