{"id":1110,"date":"2020-01-21T02:42:16","date_gmt":"2020-01-21T02:42:16","guid":{"rendered":"https:\/\/fidelitylife.com\/?page_id=1110"},"modified":"2020-01-21T02:42:16","modified_gmt":"2020-01-21T02:42:16","slug":"cash-value-life-insurance","status":"publish","type":"page","link":"https:\/\/staging03.wordpress.fidelitylife.com\/?page_id=1110","title":{"rendered":"Cash Value Life Insurance"},"content":{"rendered":"<section class=\"migrated-section row-0\">\n<div class=\"acf-field stream_0_circles_theme_generated_in_functions\">default<\/div>\n<div style=\"color:red; font-weight:bold; border: 1px solid red; padding: 5px;\">[MISSING IMAGE ID: 0 &#8211; Not found in Media XML]<\/div>\n<p><img decoding=\"async\" src=\"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2022\/12\/ed3dbbfa-woman-putting-coin-in-the-jar-with-plant.jpg_s1024x1024wisk20coewhui8yx858_xigzpdu2qsliuk1jrxdnm7031kkrp8.jpg\" alt=\"stream_0_mobile_image\" class=\"migrated-media id-455258\" style=\"max-width:100%; height:auto;\" \/><br \/>\n<img decoding=\"async\" src=\"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2024\/11\/30da7589-growth_coinsjar.jpg\" alt=\"stream_0_desktop_image\" class=\"migrated-media id-650121\" style=\"max-width:100%; height:auto;\" \/><\/p>\n<div class=\"acf-field stream_0_style\">style-blue<\/div>\n<div class=\"acf-field stream_0_title\">Cash Value Life Insurance<\/div>\n<div class=\"acf-field stream_0_description\">Permanent coverage for peace of mind with the added safety net of cash value accrual you can access during your lifetime.<\/div>\n<div class=\"acf-field stream_0_page\">Default<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-1\">\n<div class=\"acf-field stream_1_circles_theme_generated_in_functions\">content_short<\/div>\n<p class=\"acf-field stream_1_text\">\n<h2><strong>How does cash value insurance work?<\/strong><\/h2>\n<p>A cash value policy has two components:<\/p>\n<ul>\n<li><strong>Death benefit:<\/strong> This is the money that\u2019s earmarked for your loved ones to receive when you pass away. Since this is a permanent life insurance policy, your loved ones will receive the death benefit no matter what age you pass, assuming premiums are paid. With a cash value policy, your premiums are typically set at a fixed rate. A portion of your premium goes to fund the death benefit, while another portion goes to fund your policy\u2019s cash value.<\/li>\n<li><strong>Cash value:<\/strong> In most cases, the cash value portion of a life insurance policy doesn\u2019t begin to accrue until 2-5 years have passed. Once cash value begins to build, it becomes available to you according to your policy\u2019s guidelines. That cash value is accessible only during your lifetime. If you pass away, your beneficiary or beneficiaries will only receive the death benefit. In that situation, any cash value would revert to the insurer.<\/li>\n<\/ul>\n<div style=\"text-align:center;\">\n<h4>Ready to get started?<\/h4>\n<div class=\"preview-section-button\" style=\"padding:0 0 40px 0;\">\n<a href=\"#get-quote\" class=\"site-link button blue\" style=\"color:#FFFFFF; text-decoration:none;\" data-gtm=\"true\" data-ctaText=\"Get My Quote\" data-location=\"cash value insurance- How does cash value insurance work\">Get My Quote<\/a>\n<\/div>\n<\/div>\n<p>Depending on the type of permanent life insurance policy you have, like whole life insurance, universal life insurance, variable universal life insurance, etc., the cash value portion of your policy has an opportunity to grow with interest. Some types of life insurance will guarantee the interest rate at which your cash value grows, while other types may not make a guarantee as you invest your policy\u2019s cash value in the market.<\/p>\n<p>Before you purchase <a href=\"\/life-insurance-basics\/permanent-life-insurance-101\/permanent-life-insurance\/\">permanent life insurance<\/a>, it\u2019s important to understand how your policy generates interest and your options for the account\u2019s potential growth. Speaking with a licensed insurance agent can help.<\/p>\n<h2>What are the advantages of a cash value policy?<\/h2>\n<p>Cash value life insurance is unique in its ability to serve two roles at once \u2014 it\u2019s both a safety net for your family and a savings vehicle for you. Over a long-term period, a portion of your premium payments contributes to a cash value account that accumulates on a tax-deferred basis. <\/p>\n<p>Imagine two life insurance policy holders, Alice and Jane. Alice opts for term life insurance with a 30-year term, while Jane goes for a cash value policy. After 30 years, Alice would have paid premiums solely for a death benefit that she never used (assuming she&#8217;s still alive at the end of the term). Jane, on the other hand, not only has a death benefit but has also built a cash reserve that she can utilize for a variety of needs like retirement, college tuition for children, or even a down payment for a house.<\/p>\n<p>Another advantage of cash value life insurance is the flexibility to adapt your financial planning based on your changing needs. Policies such as universal life insurance allow you to adjust the premium payments and death benefit as necessary, so long as you pay the regular premium amount. This adaptability is particularly beneficial during economic uncertainty or significant life changes.<\/p>\n<p>This means that if you&#8217;re doing well financially and have more disposable income, you can opt to increase your premiums to accelerate the growth of the cash value. Conversely, if you encounter financial hardship, you can lower your premium payments or even use the accumulated cash value to cover the premiums temporarily, ensuring the policy stays in effect.<\/p>\n<p>In some cash value policies, you may be able to invest the money you\u2019ve saved. Whole life insurance policies usually offer a guaranteed minimum interest rate for the cash value, providing a secure return. Variable life and variable universal life insurance policies, on the other hand, allow you to invest the cash value in sub-accounts similar to mutual funds, which have the potential for higher returns. However, variable universal life insurance policies can also be riskier since your money&#8217;s growth is determined by the market. <\/p>\n<h2>What are the downsides of cash value policies?<\/h2>\n<p>When you withdraw funds or loan money from a cash value life insurance policy it can alter the policy&#8217;s death benefit. When you take out a policy loan and fail to repay it by the time of your death, the outstanding loan amount, along with any accumulated interest, will be deducted from the death benefit. This reduction diminishes the financial safety net you intended to leave for your beneficiaries. Withdrawals similarly impact the death benefit, often reducing it in proportion to the amount withdrawn.<\/p>\n<p>Maintaining a cash value life insurance policy demands regular premium payments to keep the policy in force. Failure to make timely payments puts the policy at risk of lapsing. When a policy lapses, you risk losing not only the death benefit but also the accumulated cash value. <\/p>\n<h2>When to buy a cash value life policy<\/h2>\n<p>Premiums for cash value insurance policies can be significantly higher than for term life policies, since <a href=\"\/life-insurance-basics\/term-life-insurance-101\/term-life-insurance-cash-value\/\">term life policies do not accrue cash value<\/a>.<\/p>\n<p>However, cash value policies can accrue considerable value over a span of 15 or 30 years. Buying a cash value policy when you are in good health and under the age of 35 can provide a substantial nest egg that you can use as needed.<\/p>\n<p>While it\u2019s best to purchase any type of life insurance in your younger years, there are cash value life policies for older adults too. Fidelity Life offers <a href=\"\/life-insurance-basics\/senior-life-insurance-101\/life-insurance-for-seniors\/\">life insurance for seniors<\/a> at many ages, whether you\u2019re in your 50s getting ready to retire or in your 80s looking for a way to cover final expenses.<\/p>\n<div class=\"acf-field stream_1_remove_padding\">0<\/div>\n<div class=\"acf-field stream_1_add_table_of_contents\">0<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-2\">\n<div class=\"acf-field stream_2_circles_theme_generated_in_functions\">default<\/div>\n<div style=\"color:red; font-weight:bold; border: 1px solid red; padding: 5px;\">[MISSING IMAGE ID: 1 &#8211; Not found in Media XML]<\/div>\n<p><img decoding=\"async\" src=\"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2019\/10\/fc5ef15f-image-copy.jpg\" alt=\"stream_2_mobile_image\" class=\"migrated-media id-423\" style=\"max-width:100%; height:auto;\" \/><br \/>\n<img decoding=\"async\" src=\"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2024\/03\/4c7fb4e1-life_insurance_resources.jpeg\" alt=\"stream_2_desktop_image\" class=\"migrated-media id-648523\" style=\"max-width:100%; height:auto;\" \/><\/p>\n<div class=\"acf-field stream_2_style\">style-purple<\/div>\n<div class=\"acf-field stream_2_title\">Understanding cash value life insurance<\/div>\n<p><a href=\"#get-quote\" target=\"\" class=\"acf-link\">Get Started<\/a><\/p>\n<div class=\"acf-field stream_2_description\">There are a range of affordable Fidelity Life products to choose from based on your situation and financial responsibilities.<\/div>\n<div class=\"acf-field stream_2_page\">Default<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-3\">\n<div class=\"acf-field stream_3_circles_theme_generated_in_functions\">content<\/div>\n<p class=\"acf-field stream_3_text\">\n<h2>4 Ways to take advantage of the cash value of your life insurance policy<\/h2>\n<p>Since you can only benefit from the cash value of your policy while you are living, it\u2019s important to use it while you can. People use the cash value from life insurance in four main ways: a loan, withdrawal, surrender, or to pay premiums.<\/p>\n<h3>Take out a loan<\/h3>\n<p>Cash value life insurance policies can allow you to take out a loan to pay off a home mortgage early, cover a child\u2019s college tuition, or go on a vacation. However, if you don\u2019t pay the loan and all interest back before your death, your death benefit will be reduced by an amount equal to the balance of the loan and fees.<\/p>\n<ul>\n<li>For example, Jeremy has a cash value policy with a death benefit of $500,000. He has enough accrued value to take out a $75,000 loan. Jeremy passes away before his loan is paid back, with $40,000 still owed in total. His beneficiary received the death benefit less the amount owed, or $460,000.<\/li>\n<\/ul>\n<h3>Withdraw some of the money from your policy<\/h3>\n<p>Under a type of insurance called universal life, you may be able to take a portion of your cash value as a partial withdrawal. However, you cannot do this for a whole life policy, where the only way to access the cash value without lapsing the policy is through a policy loan. Be mindful that if you withdraw more than what you\u2019ve paid in premiums, it can impact your death benefit, much like a loan.<\/p>\n<ul>\n<li>For example, Sarah has a cash value policy and loses her job. She may use her accrued balance as an emergency fund. The cash value may serve as a financial cushion, helping her manage living expenses without taking out a high-interest loan.<\/li>\n<\/ul>\n<div style=\"text-align:center;\">\n<h4>Ready to get started?<\/h4>\n<div class=\"preview-section-button\" style=\"padding:0 0 40px 0;\">\n<a href=\"#get-quote\" class=\"site-link button blue\" style=\"color:#FFFFFF; text-decoration:none;\" data-gtm=\"true\" data-ctaText=\"Get My Quote\" data-location=\"cash value insurance-Surrender your cash value policy\">Get My Quote<\/a>\n<\/div>\n<\/div>\n<h2>Surrender your cash value policy<\/h2>\n<p>If you have other plans for life insurance coverage, like an <a href=\"\/life-insurance\/term-life-insurance\/\">affordable term life insurance policy<\/a>, you may wish to surrender your policy completely, taking the cash value and losing your potential death benefit. There is typically a fee for taking a cash payment, which will vary and may be a different amount for a withdrawal vs. a surrender.<\/p>\n<p>Before you surrender a life insurance policy, speak with a financial professional or licensed insurance agent and ensure you fully understand the <a href=\"\/life-insurance-basics\/life-insurance-101\/how-to-calculate-cash-surrender-value\/\">cash surrender value<\/a>, including any fees you\u2019ll be responsible for paying.<\/p>\n<h2>Use cash value to pay premiums or increase the death benefit<\/h2>\n<p>Some policies allow you to either direct your cash value balance toward your premiums (a convenient option once you retire) or request that your death benefit be raised.<\/p>\n<p>A cash value policy gives you multiple options for using accrued funds during your lifetime and still provides a substantial death benefit for your heirs.<\/p>\n<h2>How can I maximize my cash value?<\/h2>\n<p>To maximize your cash value growth you should regularly review your policy to gauge how your cash value is accumulating. Conducting periodic reviews allows you to adjust your financial planning to align with your policy\u2019s performance. Your policy should come with regular statements detailing your cash value&#8217;s growth, fees, and death benefit. Monitoring these actively prepares you to make the right decisions, whether that\u2019s adjusting premium payments or reevaluating investment choices.<\/p>\n<p>It\u2019s also important to read and understand the terms and conditions of your cash value policy. Different policies will have different rules regarding loans and withdrawals. Knowing these conditions helps you make informed decisions and maximize the financial benefits of your policy.<\/p>\n<p>Cash value life insurance policies fall under state insurance regulations, which aim to protect consumer interests. Consumer protection starts with being an informed policyholder. Therefore, understanding your rights and obligations under the policy is vital. Consulting with a licensed insurance agent and reading all the policy documentation can provide you with the necessary insights to make educated choices.<\/p>\n<h2>Does cash value life insurance make sense for you?<\/h2>\n<p>Life insurance with cash value can be a good option if you can spend a bit more and plan to leverage the benefits of cash value while you\u2019re alive. If you want to provide financial security for loved ones and want a more affordable option, consider term life insurance which provides the same financial protection at a lower price point. Our team of licensed insurance agents can help you understand each type of life insurance to choose the one that best fits your lifestyle, needs, and budget.<\/p>\n<h2>FAQs about cash value life insurance<\/h2>\n<\/p>\n<div class=\"acf-field stream_3_remove_padding\">0<\/div>\n<div class=\"acf-field stream_3_add_table_of_contents\">0<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-4\">\n<div class=\"acf-field stream_4_circles_theme_generated_in_functions\">default<\/div>\n<div class=\"acf-field stream_4_use_alphabetical_index\">0<\/div>\n<div class=\"migrated-grid repeater-list\">\n<div class=\"migrated-card card-0\">\n<div class=\"acf-field stream_4_list_0_title\">\n<h3>Do you have to pay taxes on life insurance cash value?<\/h3>\n<\/div>\n<div class=\"acf-field stream_4_list_0_content\">The money in your cash value life insurance policy often grows tax-deferred, meaning you won\u2019t need to pay taxes as long as the money remains in the account. However, if you remove money from the policy via a loan, withdraw, or surrender, there could be tax implications. It\u2019s always best to consult with a tax professional before making any changes to your life insurance policy.<\/div>\n<\/div>\n<div class=\"migrated-card card-1\">\n<div class=\"acf-field stream_4_list_1_title\">\n<h3>What happens to the cash value of life insurance if you cancel the policy?<\/h3>\n<\/div>\n<div class=\"acf-field stream_4_list_1_content\">If you cancel a cash value life insurance policy, you\u2019ll need to work with the insurer to retrieve any accrued money. How much you receive may be lessened by fees, charges, and taxes, so it\u2019s best to speak with your insurer to understand what you can expect to obtain before you cancel the policy.<\/div>\n<\/div>\n<div class=\"migrated-card card-2\">\n<div class=\"acf-field stream_4_list_2_title\">\n<h3>How fast does cash value build in life insurance?<\/h3>\n<\/div>\n<div class=\"acf-field stream_4_list_2_content\">Most permanent life insurance policies begin to accrue cash value in 2 to 5 years. However, it can take decades to see significant cash value accumulation. Consult a licensed insurance agent to understand the policy\u2019s cash value projections before applying.<\/div>\n<\/div>\n<div class=\"migrated-card card-3\">\n<div class=\"acf-field stream_4_list_3_title\">\n<h3>Can you use the cash value to pay premiums?<\/h3>\n<\/div>\n<div class=\"acf-field stream_4_list_3_content\">Yes, some policies allow you to use the accrued cash value to pay premiums. This is often termed as a &#8220;premium offset,&#8221; where your cash value earns enough interest to cover the cost of premiums. However, this may impact the growth rate of your cash value and the amount available for loans or withdrawals.<\/div>\n<\/div>\n<div class=\"migrated-card card-4\">\n<div class=\"acf-field stream_4_list_4_title\">\n<h3>What is the difference between cash value and surrender value? <\/h3>\n<\/div>\n<div class=\"acf-field stream_4_list_4_content\">Cash value is the amount of money that has accumulated in your policy over time. Surrender value is the cash value minus any surrender charges or fees that may be applicable if you decide to terminate the policy early. These charges can reduce the amount you receive upon canceling the policy.<\/div>\n<\/div>\n<div class=\"migrated-card card-5\">\n<div class=\"acf-field stream_4_list_5_title\">\n<h3>Is cash value life insurance a good investment? <\/h3>\n<\/div>\n<div class=\"acf-field stream_4_list_5_content\">Cash value life insurance can be an effective investment tool for long-term financial planning, as it offers tax-deferred growth and potential earning through dividends or interest. Careful consideration of your financial goals and consultation with financial advisors is advised.<\/div>\n<\/div>\n<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-5\">\n<div class=\"acf-field stream_5_enable\">1<\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"<p>default [MISSING IMAGE ID: 0 &#8211; Not found in Media XML] style-blue Cash Value Life Insurance Permanent coverage for peace of mind with the added safety net of cash value accrual you can access during your lifetime. Default content_short How does cash value insurance work? A cash value policy has two components: Death benefit: This [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":455258,"parent":400286,"menu_order":36,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1110","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cash Value Life Insurance Explained | Fidelity Life<\/title>\n<meta name=\"description\" content=\"Cash value insurance is a permanent life insurance policy that accrues a cash value that you can access outside of the death benefit. 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