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	<title>New answer on: How Does Cash Value Of Life Insurance Work?</title>

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		<title>By: Larry Tew</title>

		<link>https://insurancelibrary.com/life-insurance/how-does-cash-value-of-life-insurance-work</link>

		<dc:creator>Larry Tew</dc:creator>

		<pubDate>Sun, 07 Apr 2013 12:29:50 +0000</pubDate>

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		<description><![CDATA[In simple terms, permanent life insurance requires premiums higher than what it takes to cover the cost of the death benefit.  The surplus premium creates a &quot;cash value&quot; that grows over time.

The cash value can be comprised of a guaranteed value plus a non-guaranteed component such as excess interest or dividends.

The best way to see how cash value might work for you is to ask an agent for an &quot;illustration&quot; showing how the policy might work on a year by year schedule.]]></description>

		

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