Non-Forfeiture Options

What you can do with a permanent policy’s built-up cash value if you stop paying — take cash, reduced coverage, or extended term.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.