Yes. These type of polices also known as a limited or graded benefit policy usually state that you must live atleast two full years from time of issue in order for it to pay the full face value of the policy. What most companies do is pay back premiums paid into the policy as the death benefit if the person dies within the first two years. I would assume that the $150.00 paid to you was the total of the premiums paid from June 2004 - December 2004.
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