Which provision ensures that policy benefits remain even if premium payments stop?

The non-forfeiture provision is designed to protect policyholders by ensuring that, even if they stop making premium payments, they do not completely lose the benefits accumulated through the policy. This provision allows policyholders to access certain benefits, such as cash value, which can be converted into a different form of insurance protection, such as paid-up insurance or partial surrender of the cash value. It essentially guarantees that the value built within the policy remains intact to some extent, providing assurance and options to the policyholder.

In contrast, the reinstatement provision focuses on restoring a lapsed policy, allowing the policyholder to reinstate coverage after it has lapsed due to non-payment. Cash value protection generally refers to the policy's cash value, which can be accessed but does not inherently guarantee that the policy benefits remain if premiums cease. The automatic premium loan provision allows for an automatic loan against the cash value to pay for premiums, but if the cash value is exhausted, it does not provide a guarantee that benefits will remain.