I saw 2 costs on my policy. can someone explain the effect of deduction and total distribution cost? are they additional cost to me? what's the difference?

These terms refer to 2 different insurance costs. You may refer to LIA guidelines on these 2 terms:

https://www.google.com/url?sa=t&rct=j&q=&esrc=s...

1. Effect of Deductions (EOD): Total Premiums Paid - Total Surrender Value (page 34).
2. Total Distribution Cost (TDC): Total distribution-related costs (includes commissions to agents and other benefits to distribution channel), but excludes interests on those costs (page 35).

Those are costs already embedded in your premiums, not additional costs, but they reduce your surrender value and death benefits. Total premiums paid is your out-of-pocket costs.

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The main difference: EOD is the superset of TDC, the latter only accounts for distribution-related costs.