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this is referred to as the rate of accumulation the ROA. It grows at different rates for different insurers. Cash value is a portion of your policys death benefit which has become liquid.
some insurers have these stipulations in their T Cs but others, failing to leave the heating on when you're away could see any claims made for medical insurance companies in australia the period you two car insurance policies same time were away being declined, such as Aviva and Direct Line, risking costs running into 1,000s.