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weve borrowed from our whole life insurance policy to pay off credit card debt by a car invest in real estate pay for vacations and pay for our utility bills sounds crazy its not my name is Carmen and Im Darius and we have six life insurance policies and we use the same strategy to teach our clients all over the United States how to do the exact same thing by financing their own lifestyle using cash value life insurance but the key word in this conversation is cash value whole life insurance what exactly is cash value so the idea behind cash value is it is a cash accumulation that is available inside permanent life insurance products I realize I just gave you a mouthful there so lets break that down when we think about life insurance for Darius and I we particularly talk about whole life insurance meaning life insurance that is going to cover you for your entire life hence why I said permanent life insurance before so when we think about permanent life insurance every time you pay