FWPY	Explanation
0	No Free Withdrawals are permitted.
1	One Free Withdrawal is permitted per year.
12	Monthly withdrawals are permitted per year.
2	Two Free Withdrawals are permitted per year.
4	Four Free Withdrawals are permitted per year.
4 w/$30k	Four withdrawals are permitted per year for polices with a $30,000 balance.
Unlimited	Unlimited withdrawals are permitted.