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Paying interest on the amount you borrow on your own life insurance policy may not sound better. But, the reality is that the cash value to which you are entitled to receive against your policy cannot be materialized until you submit. This will be clearly mentioned in the terms and conditions of any company’s policy. During all this period, the insurance agency has got all the rights on your policy that retains it as a security. This is seen as a motive to maintain the low amount of premiums and to provide a possibility for earning high dividends in the best interests of life insurance policyholders. Hence, whenever a policyholder avails any amount of loan, it should generate interest to negate the differences in the premiums and dividends. One of the best ways to ensure this is to stay informed about the latest interest rates and the premiums you need to pay from time to time.