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Accumulation Fund

An Accumulation Fund is the savings component of a universal life insurance policy. The money in this fund earns interest and goes to pay the higher cost of the mortality charge as you age. As long as you pay enough to fund the mortality charge, you can skip payments if your funds dry up. And, if you contribute enough to the accumulation fund early on and you get a few good years of interest, that interest may be enough to pay the premium later on.
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See Also

Accumulation Fund
Interest
Universal Life Insurance

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