1. Jerry Vanderzanden, CLU, ChFCPRO
    Co-Founder, Coastal Financial Partners Group, California
    Net cash value means the cash value of the life insurance policy that the insurer would pay less any outstanding policy loans and less any surrender charges.  Life insurance illustrations use this definition when showing cash value on the numerical summary page.  It is the cash value that has the most meaning to people who want to know the asset value of their policy.
    Answered on April 23, 2013
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