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Money worth is a living advantage that remains with the insurance business when the insured dies. Any kind of outstanding finances against the cash money worth will minimize the policy's survivor benefit. Whole life insurance. The policy proprietor and the guaranteed are normally the same person, however sometimes they may be various. For example, a business might acquire key individual insurance coverage on a critical staff member such as a CEO, or an insured might market their own policy to a 3rd party for money in a life settlement.