人壽保險是流動資產嗎？
人壽保險是流動資產嗎？
 That's a great question! By definition, a liquid asset is one that you can readily obtain, and move. Your life insurance, especially if it is a term policy, does not fit that description. Term insurance has no value unless you pass away during the term, and you can't use it if you wanted too, then. Whole life does have a portion of it that can be used for cash, but again, it takes years to develop a sizable amount, and the big benefit does not pay out until you have passed. There are companies out there that will buy your insurance, for a discounted cash sum, but even then that would not fit the description, or be a wise financial move. Thanks for asking!
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