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Technically, since the insurance policy is a part of the plan, insurance premiums (paid to the policy) do not represent amounts leaving the plan. If anything, it a transfer from one asset (cash) to another (the insurance contract). Expenses within the contract would be considered expenses to the plan; since the contract is owned by the plan.

Not sure how this would affect what you're trying to do.

Good Luck!

CPC, QPA, QKA, TGPC, ERPA

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