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Cash value is a living advantage that continues to be with the insurance provider when the insured passes away. Any kind of outstanding loans versus the cash money worth will decrease the policy's death advantage. Wealth transfer plans. The policy owner and the guaranteed are normally the same person, yet in some cases they may be different. For example, a service might get key person insurance on a critical employee such as a CEO, or a guaranteed could sell their own policy to a 3rd party for money in a life settlement.
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