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Cash value is a living advantage that stays with the insurer when the insured dies. Any exceptional finances against the money value will reduce the policy's survivor benefit. Life insurance. The policy proprietor and the insured are typically the very same individual, but often they may be different. For instance, a service could acquire key person insurance policy on a crucial employee such as a CEO, or a guaranteed might offer their own plan to a 3rd party for money in a life negotiation.
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