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     EduGorilla 
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    Which of the following is/are the disadvantage(s) of Traditional With Profit policies over ULIPs?

    Options :-

    1. Bonuses are declared only once a year and do not reflect daily fluctuations in the value of the assets.
    2. Policyholder's benefits depend on assumptions/discretions of the insurance company.
    3. Bonus structure does not reflect the true value of assets of the insurer.
    4. All of the above
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