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    The cash value of a life insurance policy works like an investment or savings account and grows tax-deferred over the life of the policy You can take out a loan against the cash value surrender your policy for the cash or use it to pay your premiums once it reaches a certain amount.


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    You'll pay your last premium payment and when the plan ends so will your coverage When you outlive your term policy you will no longer have life insurance coverage if you die the day after your policy expires your family won't be eligible for a death benefit of any size.

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