re: My whole life snapshot...wondering if this is the best use of my money

quote:

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So if I cancel the policy do I forfeit the cash balance?

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depends on exactly how it works, but as above poster said, you should be able to get full cash value out and invest it in what you like. There a likely tax consequence of taking the cash out (above what you put into the policy), but you'd have to talk to a CPA about that.