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Ask the Life Insurance Expert

Is there a good reason to take out some cash surrender value dollars from a whole life policy that is paid up or should one leave it to build more death benefits?

Whoa Nellie! I hope you're not expecting the death benefit of your whole life insurance policy to increase. A whole life policy will pay out its face amount, regardless of the cash value built up.

When you pass away, your beneficiaries get the face amount. The cash value goes away.

So if you need some money, this is the time to take advantage of your cash value.

Last updated: Feb. 13, 2013