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Cash worth is a living benefit that stays with the insurer when the insured passes away. Any exceptional loans versus the money worth will certainly lower the policy's survivor benefit. Level term life insurance. The plan proprietor and the insured are generally the exact same individual, yet sometimes they may be various. For instance, a company could buy crucial individual insurance coverage on a vital employee such as a CEO, or a guaranteed might market their own policy to a third party for money in a life settlement.
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