什麼是現金價值的全人壽保險？
什麼是現金價值的全人壽保險？
 Some life insurance accumulates equity, known as cash value. Some does not. If you buy Term insurance, which is temporary, with a rate guaranteed for a specific number of years, it will never accumulate cash value. However, if you buy permanent life insurance, either whole life or universal life, it will accumulate equity. Equity can be borrowed against and even then kept and never paid back, totally tax free, although it will generally lower the death benefit if not repaid. Cash value can be used for retirement, or even for college funding. That money is tax free. While it starts out costing more, at the end, it definitely is cheaper long term and can even pay its own premium out of the accumulated cash value. Talk with an experienced agent. Love to help. Thank you. GARY LANE.
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