In the forms, the insurance companies often differ on how to invest existing capital and how to invest possible future payments. Lifeplan think both should be placed equally, which is why fund choices occur twice on the same form. It also never says in the forms we send out which funds or what distribution you already have in the current state.
It is likely that you have seen "existing capital" in the forms as the funds you already have. You should see it as the funds we choose you to have in your existing capital.
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