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  2. Calculator: How Much Life Insurance Do I Really Need? - AOL

    www.aol.com/lifestyle/calculator-much-life...

    2. Income Replacement Value. Income replacement is another popular method. Income replacement refers to the amount of money needed to replace the income you would have earned for your family if ...

  3. What is cash value life insurance? - AOL

    www.aol.com/finance/cash-value-life-insurance...

    For whole life insurance, this is typically done through a loan against your cash value, meaning interest will apply, and the amount borrowed reduces the death benefit if not repaid.

  4. Whole life insurance

    www.aol.com/finance/whole-life-insurance...

    It offers three whole life options: a standard whole life policy; Custom Whole Life, which allows you to enhance cash value growth or opt for higher premiums within a shorter duration; and Secure ...

  5. Whole life insurance - Wikipedia

    en.wikipedia.org/wiki/Whole_life_insurance

    Most whole life policies can be surrendered at any time for the cash value amount, and income taxes will usually only be placed on the gains of the cash account that exceeds the total premium outlay. Thus, many are using whole life insurance policies as a retirement funding vehicle rather than for risk management.

  6. Cash value - Wikipedia

    en.wikipedia.org/wiki/Cash_value

    The determination of the cash value, both the base amount and the applicable surrender charge, in the contract can be explicit by determining the value for each surrender date (guaranteed cash values), by referring to the value of specific investments or subject to the discretion of the insurance company, which is often executed to bring cash values in line with values of the investments of ...

  7. Universal life insurance - Wikipedia

    en.wikipedia.org/wiki/Universal_life_insurance

    Universal life insurance (often shortened to UL) is a type of cash value [1] life insurance, sold primarily in the United States.Under the terms of the policy, the excess of premium payments above the current cost of insurance is credited to the cash value of the policy, which is credited each month with interest.

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