This is the core purpose of the Personal Banking Concept and why this strategy makes sense as opposed to utilizing a traditional whole life insurance or Index Universal Life policies.  Simply put, expediting the accrual of the cash value within the policy allows the policy to accumulate accessible cash value quicker, faster, safer with guaranteed return, usually around 4%.  In addition, cash value in a whole life insurance policy from a mutual company that practices non-direct recognition, pays consistent dividends to the policyholders. The dividends are not guaranteed, however, most mutual companies have paid dividends for over 100 years, including during the Great Depression and many stock market crashes. The loans can be taken with minimal interest AND regardless of loans the policy will continue to grow on the full cash value in a properly structured Personal Banking Concept Policy.