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As the sky-high interest rates of 20 years ago began to decline, "7 pay" schemes promoted in the mid-1980s became "20 pay" or even "30+ pay," prompting class action suits and many negotiated policy enhancement programs. Unfortunately, many policy owners didn't realize the subjective nature of the illustrated expectation. Of course the only problem with this premium payment concept is that if future dividends paid do not match the dividend scale originally illustrated, this carefully calculated balancing act will be delayed and policy owners will find themselves needing to pay more yearly premiums than they expected. Anticipating that the dividend will continue to increase, premiums are illustrated to be paid by current dividends for the balance of the insured's life, while excess dividends once again acquire paid-up additions. The computer las calculated, however, that just at the point you've exhausted the additions account, the current dividend is now sufficient to directly offset the premium due. It's not a loan; a sufficient amount of paid-up additions cash value is simply surrendered - tax free. The eleventh premium payment - in our example you expect to pay no more than 10 - is drawn out of the cash value of the paid-up addition account. Here's how it works: The illustration's computer calculates the hypothetical number of years in which cash premiums need to be paid; let's assume it's 10 years. Each subsequent year that this is done, the value of the paid-up additions declines until the policy is nearly back to its original guaranteed death benefit and cash value.