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Money worth is a living advantage that remains with the insurance business when the insured passes away. Any type of outstanding loans against the cash worth will reduce the plan's survivor benefit. Living benefits. The plan proprietor and the insured are typically the very same person, yet often they might be different. For instance, a company could acquire key individual insurance coverage on a vital employee such as a CHIEF EXECUTIVE OFFICER, or an insured may sell their very own plan to a 3rd party for cash in a life settlement.
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