Cash Value Life Insurance

Gain dual benefits with life insurance that builds cash value while securing your family’s future. Our policies provide liquidity for future needs and financial growth. Ensure lifelong protection while growing wealth for tomorrow.

Benefits of Cash Value Life Insurance

Dual Benefit of Insurance and Savings

Cash value life insurance provides both a death benefit for your loved ones and a savings component that grows over time.

Tax-Deferred Growth

The cash value grows tax-deferred, meaning you don’t pay taxes on the growth until you withdraw it, allowing your savings to compound faster.

Flexible Access to Funds

Policyholders can borrow against the cash value or make withdrawals, offering a financial safety net for emergencies or opportunities.

Supplement Retirement Income

The cash value can be used as a source of tax-free supplemental income during retirement through loans or withdrawals.

Protection Against Market Volatility

Cash value life insurance offers steady growth and is not directly tied to market fluctuations, providing a safe and predictable savings option.

Loan Options Without Credit Checks

You can borrow against your policy’s cash value without a credit check, making it a convenient source of liquidity.

questions and answers

What is cash value life insurance?

Cash value life insurance is a type of permanent life insurance that combines a death benefit with a savings component. Part of your premium goes toward building cash value, which grows over time and can be accessed during your lifetime.

How can I access the cash value in my policy?

You can access the cash value through withdrawals, loans, or surrendering the policy. Loans and withdrawals are typically tax-free, as long as the policy remains active, but they may reduce the death benefit.

What types of policies include cash value?

Cash value is a feature of permanent life insurance policies, including whole life, universal life, and variable life insurance. Each type offers different growth options and levels of flexibility.

Is the cash value growth guaranteed?

It depends on the policy type. Whole life insurance typically offers guaranteed growth, while universal and variable life policies may depend on interest rates or investment performance.

How is cash value life insurance different from term life insurance?

Term life insurance provides coverage for a set period with no cash value, while cash value life insurance offers lifelong coverage and a savings component that grows over time.