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While no longer as common, occasionally an agent will show premium management techniques in policy illustrations wherein both the annual premium and the policy loan interest is borrowed from the policy. But since 1986, interest on policy loans has been defined in the tax code as consumer interest, and it is therefore nondeductible, even for policies purchased before this change in the tax code. At one time interest on policy loans was tax-deductible if the original payment pattern followed the "four out of seven" rule (in which four of the first seven annual premiums had to be paid in cash; only three premiums could be borrowed). But premium payments can come from sources other than the policy owner, and can even come from the policy itself, for example, as policy loans. Payment of the Whole Life premium is required each year until death (or the maturity of the product, such as age 95 or 100). Any illustrated portrayal of premium cash flow that is less than that specified in the policy is made under a set of assumptions about future dividends that may or may not prove viable. Premiums cannot be skipped; premiums cannot be "flexed." It's critical to remember, mium is due each and every year for the period (typically lifetime) specified in the policy. Insurers and agents looked at the prospect of future dividends and incorporated that expectation into the illustrated cash flow. To maintain the viability of Whole Life policies for those buyers whose risk tolerance and insurance style was otherwise compatible with Whole Life policies (but who were seeking lower outlays than the typical whole life premium), in the early 1980s, insurers and agents began calculating more sophisticated ways to manage future premium payments.