If you are looking for information about cash value and life insurance, I suggest checking out the information available at WholesaleInsurance.net.  Specifically, they have great articles about all different types of life insurance and other information having to do with life insurance.  Their cash value article does a great job explaining what it means and how it works.

You will also see that cash value is available in most types of permanent life insurance, including universal, variable, and whole life insurance.  Some information relating to cash value and those different types of insurance will also be available on their website.

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