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	<title>New answer on: What Life Insurance Builds Cash Value?</title>

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		<title>By: David Pipes</title>

		<link>https://insurancelibrary.com/life-insurance/what-life-insurance-builds-cash-value</link>

		<dc:creator>David Pipes</dc:creator>

		<pubDate>Wed, 18 Jun 2014 23:46:41 +0000</pubDate>

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		<description><![CDATA[The actual cost for providing insurance for one year increases as an individual ages.  In order to provide a level death benefit in exchange for a level premium, insurance companies must charge more at the younger ages to offset the cost at the older ages.  This “extra money” becomes the cash value of a permanent life insurance policy.  Permanent life insurance policies come in several stripes depending on guarantees included in the policy.  The company will surrender the cash value at any time in exchange for a release from the company’s promise to pay the death benefit.  They will also allow the owner to borrow against the cash value of the policy. ]]></description>

		

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		<title>By: David Racich</title>

		<link>https://insurancelibrary.com/life-insurance/what-life-insurance-builds-cash-value</link>

		<dc:creator>David Racich</dc:creator>

		<pubDate>Sat, 11 May 2013 13:26:13 +0000</pubDate>

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		<description><![CDATA[To clarify the question: what life insurance “can” build cash value? Generally, there are four types of cash value products that could generate accumulating cash values: Current Assumption Universal Life, Indexed Universal Life, Variable Universal life and Participating Whole Life Insurance. The performance of interest rates, indices and market equities may or may not credit any earnings and life insurance has policy expenses. Each policy owner must assess their risk tolerance for each type of life insurance contract. Participating whole life insurance “base” policies have guaranteed cash values. Lastly, a few guaranteed universal life insurance policies have some cash values in the later years, but should not be considered as a cash accumulation vehicle.]]></description>

		

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