--- title: How Does a Life Insurance Plan Offer Liquidity? description: Life Insurance policies that are Whole Life (and not term life insurance) turn an expense into an asset by building “cash value” inside the policy.  This cash is liquid within 7-10 days via a withdraw --- [Skip to content](https://info.prosperitythinkers.com/migration/knowledge/how-does-a-life-insurance-plan-offer-liquidity#main-content) English Show submenu for translations Prosperity Thinkers™, LLC Open main navigation Close main navigation - English Show submenu for translations - Contact us Contact us How can we help you? - There are no suggestions because the search field is empty. 1. [Help Center](https://info.prosperitythinkers.com/migration/knowledge?hsLang=en) 2. [What Is Whole Life Insurance?](https://info.prosperitythinkers.com/migration/knowledge/what-is-whole-life-insurance?hsLang=en) # How Does a Life Insurance Plan Offer Liquidity? Life Insurance policies that are Whole Life (and not term life insurance) turn an expense into an asset by building “cash value” inside the policy.  This cash is liquid within 7-10 days via a withdrawal or a loan.  Many people learn to borrow against this cash, rather than withdrawing it, so that it can keep growing inside the policy as collateral while the owner of the policy is using that cash to solve emergencies or take advantage of opportunities. - [What Is Whole Life Insurance?](https://info.prosperitythinkers.com/migration/knowledge/what-is-whole-life-insurance?hsLang=en) - [How Does it Work?](https://info.prosperitythinkers.com/migration/knowledge/how-does-it-work?hsLang=en) - [Is Whole Life Insurance Right for Me?](https://info.prosperitythinkers.com/migration/knowledge/is-whole-life-insurance-right-for-me?hsLang=en) - [What About Term Life Insurance?](https://info.prosperitythinkers.com/migration/knowledge/what-about-term-life-insurance?hsLang=en) - [How to Setup my Policy](https://info.prosperitythinkers.com/migration/knowledge/how-to-setup-my-policy?hsLang=en) - [How to Use my Policy](https://info.prosperitythinkers.com/migration/knowledge/how-to-use-my-policy?hsLang=en) - [Building Generational Wealth](https://info.prosperitythinkers.com/migration/knowledge/building-generational-wealth?hsLang=en) [![Prosperity Thinkers logo](https://info.prosperitythinkers.com/hs-fs/hubfs/small%20pt%20logo.png?width=88&height=66&name=small%20pt%20logo.png "Prosperity Thinkers logo")](https://info.prosperitythinkers.com/?hsLang=en) [mailto:email@email.com](mailto:email@email.com) Copyright © 2026, Prosperity Thinkers™, LLC