cash-value life insurance financial definition of cash-value life insurance. cash-value life insurance finance term by the Free Online Dictionary.

cash-value life insurance

A type of life insurance in which part of the premium is used to provide death benefits and the remainder is available to earn interest. Thus, cash-value life insurance is both a protection plan and a savings plan. This insurance entails a significantly higher premium than protection-only insurance and, depending on the issuer and the policy, may pay a relatively small return on savings compared with other investments. Also called permanent insurance, whole life insurance. Compare term insurance.

Is cash-value life insurance a good investment? Why? For whom?

For many years this was a lousy investment pushed by excellent sales forces, often using deceptive practices to mask how poor it really was. In recent years the situation has changed, with the widespread offering by major companies of universal life and interest-sensitive whole life, both of which pay competitive interest rates on the cash-value portion of the policy. These policies can be an appropriateeven an excellentinvestment because of the lack of federal taxation on the internal earnings of the policies. And if they are held until death, no tax is ever paid on these earnings. If the owner ever needs funds, he or she can borrow from the policy rather than cashing it in, thereby continuing to avoid taxation. TIP: Cash-value life insurance is an investment and should be treated as such. If you just need protection, buy term; 10- or 20-year level premium term policies are available.

Thomas J. McAllister, CFP, McAllister Financial Planning, Carmel, IN

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Cash Surrender Value commission Permanent Insurance Term insurance Whole Life Insurance	But Hegna also counseled that permanent cash-value life insurance is more tax-efficient than annuities and might be better for the tax-sensitive. New environment, new solutions: the market meltdown has financial ... by Panko, Ron / Best's Review More recently, with guidance and a ruling issued in fall 2007, the Service declared as abusive certain trust arrangements involving cash-value life insurance and providing post-retirement medical and life insurance benefits. Abusive insurance and retirement plans: single-employer section 419 ... by Wallach, Lance / Journal of Accountancy cash-value life insurance or non-dividend-paying stocks), no adjustment would be required. Is a single-employer welfare benefit plan appropriate for a small ... by Kehoe, Danea M. / The Tax Adviser	cash purchase Cash Ratio Cash Refund Annuity Cash Reserves Cash sale/settlement Cash Settlement Cash Settlement Contracts Cash Surrender Value cash throw-off Cash Trade Cash Transaction Cash Value Cash Value Account Cash Value Added Cash-Equivalent Items Cash-liabilities ratio cash-on-cash cash-on-cash return Cash-or-Nothing Call Cash-or-Nothing Put Cash-out Laws Cash-Out Refi cash-out refinance Cash-Secured Put Cash-Surrender Value cash-value life insurance Cashbook Cashed-Based cashier's check Cashier's Department Cashish Cashless Exercise Cashout Caso fortuito Cassatie Castles in the Sky Casualty Casualty Insurance Casualty Loss Casualty-insurance Catalyst Catastrophe Bond Catastrophe Call Catastrophic Illness Insurance Catch-Up Contribution categorical taking Category Killer CATS Cats and Dogs Caution en douane Cauzione per concorrere	Cash-Flow Coverage Ratio Cash-Flow Coverage Ratios Cash-Flow Hedge Cash-Flow Testing cash-for-questions cash-in-hand cash-in-hand cash-in-hand cash-in-hand cash-in-hand Cash-in-lieu of Commodities Cash-liabilities ratio cash-on-cash Cash-on-cash return Cash-on-cash return Cash-on-Cash Returns Cash-or-Nothing Call Cash-or-Nothing Calls Cash-or-Nothing Put Cash-or-Nothing Puts Cash-out Laws Cash-Out Refi cash-out refinance cash-secured put Cash-Secured Puts Cash-Settled Cash-surrender value Cash-Surrender Values Cash-To-Cash Cycle cash-value life insurance cashable cashable cashable cashable cashable Cashback Cashback Cashback (disambiguation) Cashback (disambiguation) cashbook cashbook cashbook Cashbooks Cashbooks Cashbooks cashbox cashcard Cashcrop CASHD cashe cashe cashed cashed cashed cashed cashed cashed Cashed a Check cashed in chips cashed in chips

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Cash Surrender Value
commission
Permanent Insurance
Term insurance
Whole Life Insurance

But Hegna also counseled that permanent cash-value life insurance is more tax-efficient than annuities and might be better for the tax-sensitive.

New environment, new solutions: the market meltdown has financial ... by Panko, Ron / Best's Review

More recently, with guidance and a ruling issued in fall 2007, the Service declared as abusive certain trust arrangements involving cash-value life insurance and providing post-retirement medical and life insurance benefits.

Abusive insurance and retirement plans: single-employer section 419 ... by Wallach, Lance / Journal of Accountancy

cash-value life insurance or non-dividend-paying stocks), no adjustment would be required.

Is a single-employer welfare benefit plan appropriate for a small ... by Kehoe, Danea M. / The Tax Adviser