When can I start taking out cash from my policy?

Typically, you should be able to have limited access to the cash accumulation account after year 2 or 3, but will not be able to access all of the cash inside of their cash accumulation account until after year 10 or 15 (depending on the life insurance company). Since most cash value life insurance policies are front-loaded with costs, the best value for your cash amount will be to wait 25-30 years to retrieve the cash value inside of your cash accumulation account. This will likely ensure a significant amount of cash accumulation return (e.g. 6-7% internal rate of return) on the total premiums invested. The longer you wait to retrieve your cash, the more return you will be able to access.