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Term Life Insurance-term life policy?
IF there is cash value in your TERM policy, you will find a non-forfeiture values page in the policy.
TERM life insurance has no cash value, so you won’t find the above mentioned non-forfeiture values page.
The word non-forfeiture means that there are values in a PERMANENT WHOLE LIFE policy which can be accessed, and to keep one from losing the insurance should an emergency arise and couldn’t pay the premiums when due.
TERM is TEMPORARY for a specified period of time.
WHOLE LIFE is PERMANENT up to age 100. At age 100, the face amount of the policy is paid to the insured.
There is no hard and fast formula.
It’s roughly 10% of what you’ve paid in, in premiums, minus any loans you’ve taken out, minus surrender fees.
You’ll have to call them to be sure.
**oops. I missed that it’s a TERM policy. The other guys are right - no cash value on term policies - nothing to cash in.**
Term Life Insurance- News
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Northwestern Mutual to Exceed $4.7 Billion in Dividends Paid to Policyowners ... Term Life Insurance - Nearly $120 million in policyowner dividends is expected to be paid to term life insurance policyowners in 2010, as compared to $83 Northwestern Mutual to pay out $4.7 billion in dividends in 2010all 5 news articles » |
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Torchmark Corporation Reports Third Quarter 2009 Results Medicare Part D accounted for 4% of insurance underwriting margin and 7% of total premium revenue. Net sales of life insurance increased 9%, while health and more » |
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Jackson® Reports Record Retail Sales for Second Consecutive Quarter (Business Wire)-- During the third quarter of 2009, Jackson National Life Insurance Company® (Jackson) generated record retail sales and deposits of $4.3 and more » |
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Lincoln Financial Group Reports Third Quarter 2009 Results
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