To find the cash value of your life insurance policy, you typically need to refer to your policy documents or contact your insurance company directly. The cash value is the amount of money that has accumulated within a permanent life insurance policy, such as whole life or universal life, over time. Here are steps you can take to determine the cash value:

Check Your Policy Documents: Your life insurance policy should include information about the cash value. Look for sections related to the policy's cash accumulation, surrender value, or cash surrender value. These terms are often used interchangeably to refer to the amount of cash available in the policy.
Review Statements: If you receive periodic statements from your insurance company, these documents may also provide information about the current cash value of your policy. Statements typically outline the policy's performance, premiums paid, and the accumulated cash value.
Contact Your Insurance Company: If you cannot find the information in your policy documents or statements, the most reliable way to determine the cash value is to contact your insurance company directly. Customer service representatives or your insurance agent should be able to provide you with the most up-to-date information on the cash value of your policy.

It's important to note that the cash value is different from the death benefit, which is the amount paid out to beneficiaries upon the death of the insured. Additionally, accessing the cash value may involve surrender charges or tax implications, so it's advisable to consult with your insurance company or a financial advisor before making any decisions regarding your policy.

Credit life insurance is typically issued in conjunction with installment loans, mortgages, or other forms of credit. This type of insurance is designed to pay off or reduce the outstanding balance of a specific debt if the borrower dies during the coverage period. When an individual takes out a loan or obtains credit, the lender may offer credit life insurance as an optional or mandatory add-on to the loan agreement.

If the borrower passes away before the debt is fully repaid, the credit life insurance policy will cover the remaining balance, relieving the borrower's estate or family from the financial burden of the outstanding debt. It's important for individuals considering credit life insurance to carefully review the terms, costs, and conditions of the policy and assess whether it aligns with their needs and preferences.