Reduced Paid-Up

A non-forfeiture option: stop paying premiums and keep a smaller, fully-paid amount of permanent coverage using the built-up cash value.

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.