Does Disability Insurance Have A Cash Value? 
No , Disability Insurance does not normally have a cash value . The only way to get cash from a basic Disability policy is to become disabled and have the policy pay you cash to replace part of your income . However , you may have the option to purchase a Cash Value Rider or Equity Builder that builds up cash value in your policy . The cash value starts growing in the early years and builds up over the years until it reaches an amount that is near the total number of premiums you have paid into the policy . When you drop the policy , or hit age 65 , you are able to get this `` return of premium '' cash value back . 