DiversifyVault field guides
Understand the policy before the pitch.
Plain-language guides to cash value, policy borrowing and reading the actual numbers.
Whole life cash value: what it is and what to compare
Understand cash value, surrender value, death benefits and dividends. A practical checklist for evaluating a whole life proposal.
Life insurance policy loans: interest, access and tradeoffs
Learn how borrowing against cash value differs from withdrawing it. Compare interest costs, benefit reductions and policy-maintenance risks.
How to read a life insurance illustration: a review checklist
Read premiums, guaranteed values, non-guaranteed projections and loan scenarios side by side. Print a checklist for your next specialist conversation.
Policy loan interest calculator
Estimate interest paid annually versus interest added to a loan balance. A transparent educational calculator, with no policy-growth assumptions.