The purpose of this Article is to permit and set guidelines for life insurers to include in life insurance policies issued after the effective date of this Article a provision for periodic adjustment of policy loan interest rates.  Nothing in this Article shall be construed to prohibit a life insurer from issuing a policy that contains only the provision specified in N.C. Gen. Stat. § 58-61-10(a)(1) with respect to policy loan interest rates. (1981, c. 841, s. 1.)