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Then in later years, the cash value accumulation slows as you grow older and more of the premium is applied to the cost of insurance	In the early years of the policy, a higher percentage of your premium goes toward the cash value
It's important to understand how cash value accumulation and risk correlate so you can choose a policy that fits your	Over time, the amount allotted to cash value decreases

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Accumulation Slows Over Time When you have cash-value life insurance, you generally pay a.

Life Goes On: Variable life policies, on the other hand, can correspond more closely to the level of risk you might assume when investing in the stock market
How Cash Value Builds in a Life Insurance Policy: Each type of policy carries a different level of risk
How Cash Value Builds in a Life Insurance Policy: As you are 65 years old now, the cost of insuring your life is much higher

The cash value grows or falls based on how well these subaccounts perform
In the early years of your policy, a larger portion of your premium is invested and allocated to the cash value account	With whole life policies, you're generally taking the least risk since your cash value accumulation is guaranteed

The rest of the death benefit the policy will pay will come from the cash value.

How Cash Value Builds in a Life Insurance Policy: Generally, this cash value can grow quickly in the early years of the policy
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