Does Variable Life Insurance Have A Cash Value?

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   Steve Savant

   Syndicated Financial Columnist, Host of the weekly talk show Steve Savant's Money, the Name of the Game, Scottsdale Arizona

   Cash value permanent life insurance has the potential to accumulate cash values, but it's dependent on the crediting method. Variable life insurance uses a guaranteed interest rate account and separate sub accounts that use equities and bond investments. The optimal design for cash value is purchasing the lowest TAMRA compliant death benefit option.

   Answered on August 2, 2013

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