All statements about the dilution adjustment are correct, EXCEPT: The dilution adjustment for the initial premium is expected to grade to zero by the end of the 10th contract year. The dilution adjustment is expected to grade to zero over 10 years for each individual premium, regardless of premium amount. Dilution credit may be given when settling Permanent Life Insurance cash. value to a Portfolio Deferred Income Plan (PDIP). The dilution adjustment is expected to grade to zero over 10 years for each individual premium above $10,000