8/31/2026 11:17 PM (PST)

If you are asking what is the cash value of a life insurance policy, it is the accumulated amount within certain permanent life insurance policies, such as whole life or universal life. The cash value can grow over time based on premiums paid, policy terms, interest, investment performance, fees, and other factors. The cash value is separate from the policy’s death benefit. Depending on the policy, you may be able to access it through a withdrawal or policy loan, or receive a cash surrender value if you cancel the policy. Surrender charges and outstanding loans may reduce the amount available. If you are considering selling your policy, it can also be useful to compare the cash surrender value with a potential life settlement offer. A qualified provider can review your policy and explain your available options. Understanding what is the cash value of a life insurance policy can help you make a more informed decision about whether to keep, surrender, or potentially sell your coverage.