| FWPY | Explanation |
|---|---|
| 0 | No Free Withdrawals are permitted. |
| 1 | One Free Withdrawal is permitted per year. |
| 12 | Monthly withdrawals are permitted per year. |
| 2 | Two Free Withdrawals are permitted per year. |
| 4 | Four Free Withdrawals are permitted per year. |
| 4 w/$30k | Four withdrawals are permitted per year for polices with a $30,000 balance. |
| Unlimited | Unlimited withdrawals are permitted. |