To calculate the total amount of policy processed payable on an individual life insurance claim, a claim analyst reviews the policy and policy records to determine (1) the basic death benefit (2) any addition to the basic death benefit, and (3) any deductions from the basic death benefit. One amount that the claim analyst would add to the basic death benefit amount for
1) interest on any policy loans
2) accelerated death benefits that have been paid
3) premium due but unpaid during the grace period
4) paid-up additional insurance