Whole Life Cash Value at Life

Whole Life Cash Value. Cash value is the amount of money inside a permanent life insurance policy. Only in 2019 is there a slight divergence due to a decreased dividend.

Each line in the chart includes the number of years the policy holder maintains the policy and the corresponding cash value per 1 000 in death benefits. Whole life insurance cash value accounts grow at a steady, fixed rate set by the insurance provider at the time of the policy purchase. When you pass away, your beneficiary typically receives only the death benefit.

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It also provides cash value that you can tap into after having the policy for several years. Variable life insurance cash value operates more like an investment account. Cash value will accumulate at a minimum guaranteed rate. This cash value provides a living benefit you can access while you’re alive.