Originally Posted by
JamesBond
As I understand these things, your cash accumulation account is counted against the death payout. So if you have a $50,000 insurance policy, and $10,000 in the cash portion, that $10k counts as part of the $50K when your beneficiary gets paid. I would love to be told I am wrong on this.
I don’t think there is any cash accrual from company paid premiums in the GVUL. Any money you put in that is extra is yours and does not count against the death benefit. The only positive to the investing option is the company paid premiums count towards the cost basis of your investment money.