{"id":554,"date":"2026-10-26T10:00:00","date_gmt":"2026-10-26T10:00:00","guid":{"rendered":"https:\/\/www.insurancestrategies.net\/blog\/?p=554"},"modified":"2026-10-26T10:00:00","modified_gmt":"2026-10-26T10:00:00","slug":"5-ways-to-use-your-life-insurance-while-youre-alive","status":"publish","type":"post","link":"https:\/\/www.insurancestrategies.net\/blog\/2026\/10\/26\/5-ways-to-use-your-life-insurance-while-youre-alive\/","title":{"rendered":"5 Ways to Use Your Life Insurance While You\u2019re Alive"},"content":{"rendered":"<div class=\"roomvu-news-container\">\n<p>Life insurance can provide financial benefits while you&#039;re alive through tapping cash value in permanent policies. Options include using cash value to pay premiums, taking loans at low interest, surrendering the policy for cash, using a living benefit rider if terminally ill, or selling the policy. These choices may reduce the death benefit or risk policy lapse. Review your policy, consider alternatives, and seek advice before accessing funds.<\/p>\n<p>\t<a class=\"roomvu-news-continue\" href=\"https:\/\/www.kiplinger.com\/personal-finance\/life-insurance\/smart-ways-to-use-your-life-insurance-while-youre-alive\"><\/p>\n<div>Continue to full article<\/div>\n<p>\t<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Life insurance can provide financial benefits while you&#039;re alive through tapping cash value in permanent policies. Options include using cash value to pay premiums, taking loans at low interest, surrendering the policy for cash, using a living benefit rider if terminally ill, or selling the policy. These choices may reduce the death benefit or risk [&hellip;]<\/p>\n","protected":false},"author":173,"featured_media":555,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-554","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/posts\/554","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/users\/173"}],"replies":[{"embeddable":true,"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/comments?post=554"}],"version-history":[{"count":1,"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/posts\/554\/revisions"}],"predecessor-version":[{"id":574,"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/posts\/554\/revisions\/574"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/media\/555"}],"wp:attachment":[{"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/media?parent=554"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/categories?post=554"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/tags?post=554"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}