Should You Borrow Against Life Insurance Cash Values? 
You were diligent to purchase a life insurance policy with cash value potential , pay the premiums , and keep it long enough to accumulate a cash value . There is no reason that you should not borrow against your life insurance cash values , if you want to . Become acquainted with how your policy works so that you can repay the loan and retain the death benefit , or know the consequences of the loan upon your policy if you choose not to repay it later on . 