What action does not affect non-forfeiture benefits in a life insurance policy?

Maintaining premium payments is the action that does not affect non-forfeiture benefits in a life insurance policy. Non-forfeiture benefits are designed to protect the policyholder from losing the value of their policy if they discontinue premium payments or if their policy lapses. This means that as long as the policyholder continues to make their premium payments, they retain the full benefits associated with their policy, including any accumulated cash value or the option to convert the policy in case of cancellation.

On the other hand, switching to a different insurance provider could lead to the loss of non-forfeiture benefits tied to the original policy. Cancelling the policy before the end of the term will typically result in forfeiting benefits, as the policy will no longer be in force. Requesting a loan against the policy can also impact its non-forfeiture benefits, particularly if the loan is not repaid, as interest accruing on the loan can reduce the cash value and death benefit of the policy. Maintaining premium payments ensures that the policy remains in effect and preserves the associated benefits.