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Cash worth is a living benefit that stays with the insurer when the insured dies. Any type of outstanding fundings versus the money value will certainly lower the policy's survivor benefit. Final expense. The policy proprietor and the guaranteed are typically the same person, but often they might be different. A service may buy essential person insurance coverage on an essential staff member such as a CEO, or a guaranteed may sell their own plan to a 3rd celebration for cash in a life negotiation - Universal life insurance.
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