全人壽保險是否考慮資產？
全人壽保險是否考慮資產？
 Whole life insurance is a permanent cash value policy. It is considered an asset in simple accounting terms, as it can be sold and exchanged for another asset. When qualifying for government benefits it is sometimes counted as an asset. In order to qualify for Medicaid in states that did not expand, you may not have more than $2,000 in assets. The same criteria apply for Medicaid long term care benefits in all states. Whole life insurance cash values do count towards that total. The free student financial aid form does not count cash value life insurance as an asset. This is a big advantage for using life insurance to fund college savings.
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