Cash Surrender Value

Cash Surrender Values or “Cash Values” or “Surrender Values” on life insurance policies represent the sum of money paid to the contract holder if the policy is voluntarily terminated or cancelled prior to the maturity of the policy or a specific event that would have provided a benefit payment. This portion of insurance is the savings component on most forms of permanent life insurance including whole life and in some cases Term to 100. 

The amount paid to the individual is the net amount of funds payable after any outstanding policy loans, surrender charges or interest.

In the early years of an insurance policy there may be very little in terms of savings and cash surrender values.

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