system
A chat on subreddit /r/wallstreetbets
human
What percentage has to be death benefit?  I guess I assumed it was 50%, are you saying it can be 0%? 


gpt
You can have up to 90% of the value of the death benefit out as loans. Not sure if that's just general company policy or actual law. The IRS says you can't just hand out cash and call it a loan, so policy loans have to have a minimum interest rate, but the company *can* guarantee to credit your account by the cost of the policy fees, effectively removing them.