Cash Value Life Insurance

Cash Value Life insurance is a long term life insurance policy which in addition to providing a benefit upon the death of the insured, it also accrues cash value over time, this cash can be used to pay future premiums or serve as a form of savings. A benefits of having a cash value life insurance policy is that you can borrow against your cash value or draw it out by surrendering your policy (subject to a surrender charge) if needed. The best known cash value life insurance is whole life insurance , which covers you for your whole life with no change in your premium. Other cash value life insurance policies include: universal life, variable life, and single-premium life insurance.

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