Cash Value Lab
Cash value is tax-deferred savings inside a permanent policy that you can borrow against while alive. Watch it compound against an ordinary savings account.
Cash value vs ordinary savings
- Cash value
- Savings @1%
Cash value at year 40
$488,131
Savings at year 40
$246,876
Three ways to use cash value while living
Liquidity reserve — a personal line of credit that never asks your income or reports to a bureau.
Create-your-own-bank — borrow to finance cars or investments, then repay yourself.
Tax-advantaged retirement income — draw tax-free loans in retirement to lower taxable income and absorb market shocks.
Illustrative only. Actual cash value depends on carrier, product, charges, and (for IUL) index performance. Request a carrier illustration for guaranteed vs non-guaranteed values.