Variable Appreciable Life

The family of my 89 year old mother-in-law asked me to look into the above named life insurance policy my mother-in-law bought from Prudential in 1990. She now lives in the Twin Cities area in an Assisted Living Facility with declining cognitive abilities. Collectively at this point we knew nothing about this type of life insurance, what she was paying in premiums, and any benefits derived. It's been an eye opener and not in a good way in my opinion. The round numbers as of Feb. 3rd:

Policy start date: 06/07/1990
Initial premium deposit: $26,000
Yearly premium payment since 1990: $4,000
Source of insurance-forums.net

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