人壽保險是您的淨值的一部分嗎？
人壽保險是您的淨值的一部分嗎？
 That is a great question! As a rule, while you are living, the benefit amount is not since the face value of the policy is not an asset that you personally will be able to use. The death benefit is an intangible asset, until you pass, and assuming that you have a named beneficiary, will not become a part of your estate, but will increase the amount of what your total net worth was. If you have a large cash value in a policy, that is counted in your net worth, and Medicaid will count that cash as an asset, so you may want to consult with your advisor if this is the reason for asking the question. Thanks for asking!
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