group.01
frames- *-1 Shorn *-6 of all their riders , special provisions , and other bells and whistles , [ARG1 insurance policies] [ARGM-MOD can] [ARGM-TMP still] be [rel grouped] *-1 under [ARG2-under two broad categories : so-called pure insurance , which *T*-3 amasses no cash value in the policy and pays off only upon death , and permanent insurance , which *T*-4 provides not only a death benefit but also a cash value in the policy that *T*-5 can be used *-2 in various ways while the insured is still alive] .