Most people purchase a life insurance policy so their loved ones are taken care of when they die. But what if you wanted to cash in on that policy while you’re still alive, to pay for necessities now?

Sharon Wu, a senior writer with over a decade of experience, specializes in consumer-focused content covering home and finance topics such as insurance, investments, credit, debt, mortgages and home ...

Return of premium life insurance refunds most or all of your premium payments if you outlive the term length of your policy. Due to the refund feature, this policy type will generally cost more than a ...