What Is Cash Surrender Value In Life Insurance? 
Answers above are correct , but thought you might like to know that 1 . The column that is usually titled `` Account Value '' is the cash value that is usually used by the carrier to determine the amount of loanable money the policyowner may borrow . 2 . When the cash value in the `` surrender value '' column equals the `` Account Value '' , it indicates that the surrender period or charges are no longer part of the cash value equation . However , if a loan is still outstanding , the surrender charge period could be over , but the loan would be reflected in a surrender charge lower than the account value . 