Does Net Worth Include Life Insurance Policy? 
Cash Value life insurance is a financial asset and as such is included in your Net Worth Statement . While you are living if the policy has a net cash surrender value it would count as an asset . The insurance amount is not payable until you die so it is not included in your Net Worth . It is included as part of your legacy or estate . If you have further questions , or feel that I could be of assistance , please do not hesitate to contact me . If you would like to work with a local life insurance broker , you could start with a Google search . For example , if you search for : life insurance broker Halifax or life insurance agent Halifax , my name , along with several others , will come up . You can use the same method to find a life insurance broker in your community . . 