人壽保險是否獲得利益？
人壽保險是否獲得利益？
 Term life insurance does not have any cash value. The only way term insurance pays out is if the insured person dies. Then it will pay the face amount of the policy to the beneficiary. Therefore, it does not gain interest. Permanent insurance comes in variations of whole and universal life. Those policies do gain interest within the policy. However, some of this is offset by the cost of insurance, which is the cost of insuring your life. That is what separates life insurance from a savings account, and why tax benefits are given to life insurance.
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