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Ask the Life Insurance Expert

My mom took out a whole life policy on me in 1986 when I was 22 years old and it states that I'm the owner of the policy. I'm now 49 and going through a nasty divorce and I would like to know if I can get the cash value of that policy since it says that I am the owner?

Yes, the "owner" of the policy is the person who has all the access -- to take out cash value, change beneficiaries, and so on.

Don't confuse "the insured" with the "owner." Here's more about who's who on a life insurance policy.

Last updated: Feb. 6, 2013