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Ask the Life Insurance Expert

If my job changes insurance carriers, can I still get the cash value of the life insurance policy?

Group life insurance doesn’t have any cash value, so there’s nothing to take out of it. It simply provides life insurance coverage for the time you hold that job.

If you want life insurance with cash value, you’ll have to buy a policy on your own, such as whole life or universal life.

Last updated: Feb. 14, 2013