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You probably already know you need some form of life insurance to protect your family financially. What you may not know is how all of these different life insurance policies compare.
Like all life insurance products, whole life insurance is designed to provide financial protection for people or organizations you care about in the event of your death. Permanent policies like whole life, cost more because they include an extra savings component, which is referred to as the “cash value.”

How does the cash value work?
When you pay your premium, a certain percentage goes into a tax-deferred savings component, known as the cash value of the policy. The cash value of your policy earns interest and grows tax-deferred over time, at a rate determined by your individual policy.

Life insurance companies often guarantee a certain amount of growth every year. You can access the cash value of your policy in a few different ways, but each comes with certain risks.

  • You can withdraw money tax-free from the cash value of your policy.
  • You can take out a low-interest loan.
  • You can collect the cash value by surrendering your policy.

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