• Regulated life insurance allows policyholders to make adjustments to their cash value, premiums and death benefits.
  • It gives policyholders the opportunity to reformulate their insurance plans based on changing life events.
  • There is a savings component known as a “cash value” account with regulated life insurance.
  • When the monetary value of a regulated life insurance policy rises, the policyholder can borrow from it or use it to pay their premiums.
  • Cash value often earns interest at a guaranteed rate, but interest gains are usually modest.