{"id":67,"date":"2026-10-10T17:00:00","date_gmt":"2026-10-10T17:00:00","guid":{"rendered":"https:\/\/www.networkth360.com\/blog\/?p=67"},"modified":"2026-10-10T17:00:00","modified_gmt":"2026-10-10T17:00:00","slug":"us-policyholders-explore-life-insurance-value","status":"publish","type":"post","link":"https:\/\/www.networkth360.com\/blog\/2026\/10\/10\/us-policyholders-explore-life-insurance-value\/","title":{"rendered":"US Policyholders Explore Life Insurance Value"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\" src=\"https:\/\/www.roomvu.com\/agent\/embed\/jayesh-1\/life-insurance-value-3dec\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>In the US, 51% of people hold life insurance, and ~1.6M policyholders surrender coverage each year, making valuation decisions widely relevant for families.<br \/>\nMany policyholders accept a carrier&#039;s cash surrender value without checking the secondary market, where policies can receive competitive bids instead of a default payout.<br \/>\nSurrender formulas focus on cash value, fees, and penalties, while secondary buyers may also weigh current health changes and market demand when valuing policies.<br \/>\nPolicy reviews often matter during premium strain, beneficiary changes, or care needs, because comparing settlement offers with surrender values can reveal overlooked equity.<br \/>\nAs awareness grows, more policyholders may reassess active coverage, using independent advisors and open-market comparisons to understand a policy&#039;s potential value before lapsing.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>In the US, 51% of people hold life insurance, and ~1.6M policyholders surrender coverage each year, making valuation decisions widely relevant for families. Many policyholders accept a carrier&#039;s cash surrender value without checking the secondary market, where policies can receive competitive bids instead of a default payout. Surrender formulas focus on cash value, fees, and [&hellip;]<\/p>\n","protected":false},"author":463,"featured_media":68,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-67","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.networkth360.com\/blog\/wp-json\/wp\/v2\/posts\/67","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.networkth360.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.networkth360.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.networkth360.com\/blog\/wp-json\/wp\/v2\/users\/463"}],"replies":[{"embeddable":true,"href":"https:\/\/www.networkth360.com\/blog\/wp-json\/wp\/v2\/comments?post=67"}],"version-history":[{"count":1,"href":"https:\/\/www.networkth360.com\/blog\/wp-json\/wp\/v2\/posts\/67\/revisions"}],"predecessor-version":[{"id":70,"href":"https:\/\/www.networkth360.com\/blog\/wp-json\/wp\/v2\/posts\/67\/revisions\/70"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.networkth360.com\/blog\/wp-json\/wp\/v2\/media\/68"}],"wp:attachment":[{"href":"https:\/\/www.networkth360.com\/blog\/wp-json\/wp\/v2\/media?parent=67"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.networkth360.com\/blog\/wp-json\/wp\/v2\/categories?post=67"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.networkth360.com\/blog\/wp-json\/wp\/v2\/tags?post=67"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}