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How to use insurance investments for loans
Confirm that you have a life insurance policy that carries cash value.
Other life insurance is as unsuitable for this as your auto insurance policy.
Cash value life insurance builds an accessible fund with each premium payment, in a manner not unlike the way your mortgage payments build up equity.
That's your money, but it is tied to the death benefit when the policy pays out. If you take a loan from it, your death benefit will be reduced until you pay the loan back.