為什麼一個借用人壽保險？
為什麼一個借用人壽保險？
 The concept of borrowing from a life insurance policy, whether it is a whole life or universal life insurance policy, is taxes. The idea of cash value life insurance is the ability to accumulate cash that is tax deferred. You may later in life or in your retirement be able to borrow down your cash value. This does two good things for you. It keeps your death benefit in tact, but can lower it as cash value is depleted and because you are borrowing your own money and the insurance company is charging you very low interest rate, Uncle Sam considers the money a loan and not income. This means your money is income tax free. Always seek the advice of your agent or company. There are a few caveats that you should be aware of while you are borrowing against your cash value life insurance policy, but it can be a very effective tool for you to use in retirement. You also have the choice to repay the cash value or not. Beware of cashing out your cash value life insurance policy because those proceeds are taxable.
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