The

next question I want to make sure that we hit because it's a little bit more complicated.

How is the rider fee calculated and what is how is it deducted from the cash value or the death benefit? What is the cost of the rider essentially is what I was trying to find out.

I want to help our audience understand the fee structure, quote unquote fees versus the actual cost of insurance and things like that.

So one of the things that I needed to understand back then was that there aren't actually fees whenever it comes to life insurance, because what you're paying for is not a service per se.

It's more so you're buying death benefit.

That's what it comes down to, according to the insurance.

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