{
  "version": "1.2.0",
  "chapters": [
    {
      "title": "What to know about high early cash value",
      "startTime": 0,
      "endTime": 562
    },
    {
      "title": "The three ways to get high early cash value",
      "startTime": 562,
      "endTime": 610
    },
    {
      "title": "IRS rules are why policy design is even a thing",
      "startTime": 610,
      "endTime": 673
    },
    {
      "title": "Cash value is derived from the death benefit not separate from it",
      "startTime": 673,
      "endTime": 719
    },
    {
      "title": "More death benefit = more possible cash value",
      "startTime": 719,
      "endTime": 739
    },
    {
      "title": "1. \"Short-Pay\" Policies",
      "startTime": 739,
      "endTime": 955
    },
    {
      "title": "2. Big, long-dated term riders",
      "startTime": 955,
      "endTime": 1018
    },
    {
      "title": "3. Non-guaranteed policy elements",
      "startTime": 1018,
      "endTime": 1128
    },
    {
      "title": "50 year comparison: Short-Pays vs. Long-Pay",
      "startTime": 1128,
      "endTime": 1586
    },
    {
      "title": "Paying premium takes precedence in the order of operations",
      "startTime": 1586,
      "endTime": 1745
    },
    {
      "title": "One additional payment changes the entire story",
      "startTime": 1745,
      "endTime": 1954
    },
    {
      "title": "Expanding the system",
      "startTime": 1954,
      "endTime": 2035
    },
    {
      "title": "Think long range",
      "startTime": 2035,
      "endTime": 2206
    }
  ]
}