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Cash value is a living benefit that continues to be with the insurer when the insured dies. Any type of exceptional finances against the cash money value will lower the plan's survivor benefit. Living benefits. The policy owner and the guaranteed are typically the same individual, but in some cases they might be different. As an example, an organization may purchase essential person insurance on an important employee such as a CHIEF EXECUTIVE OFFICER, or an insured might sell their very own plan to a third party for money in a life settlement.
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