What Is Net Cash Value in Life Insurance? | Sapling
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💡 How Private Family Banking Works With cash value life insurance, you can build your own personal bank. Here’s how: • You fund a policy with overfunded premiums that grow cash value. • That cash value grows tax-deferred and can be accessed any time through policy loans. • When you borrow against it, your money stays in the policy and continues compounding. • You repay the loan on your own terms—like a bank would—but you’re paying yourself back, not a lender. Why does this matter? ✅ You control
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