Explanation
is the internal policy value that can build over time in certain contracts. It is not the same thing as the , and it should be understood in terms of access rules, long-term policy sustainability, and tax implications before being treated like simple savings.
Example
A may borrow against for liquidity, but that decision can affect future policy performance and claim outcomes if not managed carefully.
Common mistakes
People often assume is free money inside the policy. In reality, loans, withdrawals, and charges can change both policy strength and tax treatment.
Summary
can add flexibility, but it only improves a policy when the client understands the tradeoffs that come with using it.