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	<title>New answer on: Does A Whole Life Insurance Policy Have A Cash Value?</title>

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		<title>By: David G. Pipes, CLU®, RCIP®</title>

		<link>https://insurancelibrary.com/life-insurance/does-a-whole-life-insurance-policy-have-a-cash-value</link>

		<dc:creator>David G. Pipes, CLU®, RCIP®</dc:creator>

		<pubDate>Wed, 04 Feb 2015 18:08:34 +0000</pubDate>

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		<description><![CDATA[Because a whole life policy is designed to last a lifetime at a level premium it develops a reserve or cash value.  In the early years of the policy the premium will be higher than a similar term policy; however, in later years it will be lower.  That cash value can be used to provide collateral for a “policy loan.”  It is the surrender value of the policy.]]></description>

		

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		<title>By: Tim Wilhoit</title>

		<link>https://insurancelibrary.com/life-insurance/does-a-whole-life-insurance-policy-have-a-cash-value</link>

		<dc:creator>Tim Wilhoit</dc:creator>

		<pubDate>Mon, 01 Dec 2014 16:53:51 +0000</pubDate>

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		<description><![CDATA[Yes, whole life does accumulate a cash value. However, depending on how your life insurance agent set up your premiums it can take a few years. Usually the first 5 to 7 years are paying for the cost of insurance and the cash will accumulate very slowly in early years. There is a page in your whole life policy called the illustrations page. This is a chart of cash value from year to year of the cash value accumulation.]]></description>

		

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		<title>By: Gary Lane</title>

		<link>https://insurancelibrary.com/life-insurance/does-a-whole-life-insurance-policy-have-a-cash-value</link>

		<dc:creator>Gary Lane</dc:creator>

		<pubDate>Sun, 30 Nov 2014 21:07:54 +0000</pubDate>

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		<description><![CDATA[Absolutely. Wait a year or two and it will accumulate value. That is a major reason folks go with whole life. Another variation is a permanent equity indexed universal life policy. They accumulate value, usually at a much higher rate, and with the right one, they never go down, since they have a guarantee of zero loss each year. Only a few firms offer these. You should talk with your agent. Thank you. GARY LANE.]]></description>

		

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