How Cash Value Builds in a Life Insurance Policy


Cash-value life insurance, also known as permanent life insurance, includes a death benefit in addition to cash value accumulation. While variable life, whole life and universal life insurance all have built-in cash value, term life does not.

Once you have accumulated a sizeable cash value, you can use these funds to:

  • Pay your policy premium
  • Take out a loan at a lower rate than banks offer
  • Create an investment portfolio…



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