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I am having financial problems, and am interested in cashing out a small life insurance policy.
The life insurance policy has a Cash Surrender Value of ,324.
It says that I have an Available Partial Surrender Amount of ,074.
What does this mean? Can I withdrawal any money from the policy?
Please explain?
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September 17th, 2010 at 2:02 pm
lifeinsurance.awardspace.info – try this one. I have their insurance and, as remember, they can provide such a service.
September 17th, 2010 at 2:02 pm
I would check with the contract, but typically, not the entire amount of cash value is able to be collected upon prior to the completion of the contract. This completion is marked by either the death of the insured, or attaining a certain age. Some policies also come with premium payment loans, which will allow the premium to be paid through a series of loans from the cash value. This may be your best bet as it will ensure that you maintain the same pricing after you get your feet back on the ground. I would talk with your agent and see what they think is best in your situation, a good agent will make an honest recommendation instead of one geared toward their commission.