What Is The Cash Value Of My Life Insurance Policy? 
If you have a Term policy the cash value is Zero . Nadda . Zilch . If you have a Universal policy or a WHole Life policy it will depend on how long you 've had the policy , how much you 've paid into it , and if your insurance provider pays dividends to you - how well the companies investments have performed . As Peggy mentioned you can ask your agent for the current cash value of your policy , or you can request an `` In Force Illustration '' from the insurance company . But you SHOULD be receiving an annual report that should tell you what the current cash value is and the current face value benefit is . 