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Cash value is a feature typically offered in permanent life insurance policies, such as whole life and universal life insurance You can tap into this cash value to fund financial goals like retirement, college expenses or buying a home. Term life policies only come with basic protection in the form of a death benefit, which your beneficiaries receive if you die while the policy’s in effect

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Cash value is common among permanent life insurance policies Within your permanent life insurance policy, a portion of the premiums you pay accumulates over time Discover how cash value life insurance works

Learn its benefits, like accumulating savings, and why it's a choice for lifetime coverage with borrowing options.

Find out how cash value life insurance works, and learn about the pros and cons of this type of coverage. Cash value builds as you pay premiums on permanent life insurance Learn how it works, its benefits, drawbacks, and who it's best for in 2025. Cash value life insurance provides both lifelong coverage and an investment account

Learn how to maximize the cash value in whole or universal life insurance. How cash value life insurance works, and the types of policies that offer cash value Plus ways to use these policies to help build family wealth. Cash value life insurance policies provide both a death benefit and cash value accumulation during the policy owner’s lifetime

We'll explain how cash value life insurance works, why term life insurance does not have a cash value, and how it impacts a policy holder.