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Description: A lot of people come across the term “cash value” when exploring traditional or whole life insurance plans. It sounds appealing—insurance plus savings—but here’s the catch: most people don’t really know how that cash value is calculated, and even fewer realize how inefficient it can be. The cash value grows over time based on: The portion of your premium allocated to savings/investment (after deducting costs) Interest or bonus rates declared by the insurer (usually low and not guaranteed) How long you stay invested The type of policy (ULIP, endowment, whole life, etc.) Now, if you're using a life insurance calculator to decide whether to buy such a plan, be careful. These calculators typically estimate your term life needs, not the projected cash value of investment-linked policies. They don’t show you how little value gets built in the early years, or how poor the returns might be after years of paying high premiums. At Truemind Capital, we help people understand the real numbers behind their policies—what you're actually earning, what you're paying in charges, and whether it makes sense to continue. As a SEBI-registered, fee-only advisor, we don't sell insurance or earn commissions, so our only goal is to help you make a clean, smart decision. If you’re relying on a life insurance calculator to guide you, make sure it’s part of a bigger conversation—not the full picture. Especially when policies with cash value are involved. If you’re unsure about your current plan or considering one, feel free to reach out—we can help you assess it objectively, with no product bias.

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