How Much Is A Typical Life Insurance Policy Worth? 
According to the American Council of Life Insurers -LRB- ACLI -RRB- , in 2008 , the face amount of the average life insurance policy in the US was $ 183,000 . In 2010 , the face amount of the average life insurance policy was $ 165,000 . If Term insurance , there is no cash value worth to the policy itself . The average cash value worth of Permanent insurance is less than the face amount , with the amount of cash value depending on how long ago the policy was purchased and the interest rate . 