Life Insurance Policies and Cash Value
人寿保险政策与现金价值
Cash value is an attractive part of many permanent life insurance policies. When the cash value inside a life insurance policy builds up, you may take a loan or a withdrawal from the cash value, subject to provisions of the life policy, that can help you with expenses.
现金价值是许多永久性人寿保险政策中一个吸引人的部分。当人寿保险政策内的现金价值积累时，您可以根据保单条款贷款或提取现金价值，这可以帮助您处理费用。
Only permanent life insurance policies can build cash value, so that means if you are looking for a life policy to build cash value, you may want to investigate whole life or universal life policies.
只有永久性人寿保险政策可以积累现金价值，这意味着如果您希望找到一份能够积累现金价值的人寿保险，您可能需要考虑终身寿险或万能寿险。
Whole Life policies allow you to have a cash value that builds slowly but steadily as long as you pay your premiums on time. As the cash value increases, you’ll see it grow too - so it pays to be patient!
终身寿险允许您拥有一个现金价值，随着您按时支付保费，这个价值会缓慢但稳定地增长。随着现金价值的增加，您也会看到它的增长，因此耐心是有回报的！
Universal life policies also build cash value, but they do so in a little more complicated way. The value inside of a universal life policy is usually not guaranteed, which means you may receive more cash value than expected - or you may get none at all.
万能寿险同样可以积累现金价值，但其方式稍微复杂一些。万能寿险中的价值通常不受保证，这意味着您可能会获得比预期更多的现金价值，或者根本没有现金价值
If you want a life insurance policy that may build cash value that you can access while protecting your family, talk to us about overfunding - paying slightly more than the normal premium in order to increase your cash value. Just like a whole life policy, the larger the cash value gets the faster it grows. So, taking advantage of the flexibility of a UL plan by overfunding means you may receive more cash value!
如果您希望拥有一份可以积累现金价值且能保护家庭的人寿保险政策，可以与我们讨论超额缴纳——支付略高于正常保费的金额，以增加您的现金价值。就像终身寿险一样，现金价值越大，其增长速度越快。因此，利用万能寿险计划的灵活性，通过超额缴纳，您可能会获得更多的现金价值！