Can You Withdraw Cash Value Of Life Insurance? 
You can have access to some of the cash value in the form of a withdrawal if you have a Universal Life policy . The typical Whole Life policy will allow you access to a loan on the policy based on the loan value . Term contracts have no cash value . Generally it is not advisable to access funds from your life policy unless it is an emergency . Some policies pay dividends . Dividends may be withdrawn without affecting the face amount of the policy . 