Glossary · Your money in the deal
In short
This is the savings component of certain permanent life insurance policies, like whole life or universal life. It grows tax-deferred and can be accessed by the policyholder during their lifetime.
Lenders may accept the cash value of a life insurance policy as part of your equity injection, provided it's "unencumbered." They will require documentation of the cash value and potentially an assignment of the policy as collateral. Ensure you understand how accessing or pledging this value impacts your policy's death benefit and future premiums.
Defined by DealRoom.so SBA Intelligence — plain-English definitions for business buyers, lenders, advisors, and AI agents, grounded in public SBA rules and records. Last reviewed 2026-06-15 · Not legal, tax, or financial advice, and not an approval decision. Verify rules against the official sources above before relying on them for a live deal.
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