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Benefit Base

The Benefit Base is a calculated amount used to determine certain policy benefits, like death benefits or living benefits, in some life insurance policies. This base value is often used for calculating benefits even though it might not match the actual cash value.

It’s a reference point that helps ensure benefits stay aligned with policy terms, especially in indexed and variable policies. The benefit base can help policyholders know what to expect if they need to draw on living benefits or other features.