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How does cash value differ from term? User Rating: / 1 PoorBest  In addition to providing a death benefit, cash value life insurance also accumulates a fund that can be used to pay future premiums or serve as a form of savings.   Also See: Other articles in Life Insurance FAQs I have heard that life insurance premiums for women are lower than the life insurance premiums for men? Is this true? And what is the reason for this? What happens if my outstanding loans plus interest due exceed the policy loan value on my policy? I got a loan from my insurance policy, But never paid back the interest. What will happen? I was treated for cancer about 8 years ago and the physicans have said that I was completely cured. Can I be turned down for coverage? Are the values of my life insurance policy exempt from the claims of creditors or from bankruptcy proceedings? - Entire Category -