The goal of this article is to help you understand that because the cash value is part of the Death Benefit, Accelerated Living Benefit riders have limited value in a maximum over-funded policy after the Death Benefit is reduced.
In this post I discuss how to get the most cash value in a permanent life insurance policy. What makes a policy a maximum over-funded life insurance policy? How do you know when it is maximum over-funded? What does having a maximum over-funded policy design allow you to do?