The cash value from your certificate is the amount that you have paid into your certificate less the amount of any withdrawals you have made from the certificate. It includes the cost of your Life Insurance coverage plus extra premiums.

For example, suppose when you are ready to withdraw cash value from your certificate, you have paid $50,000 of premium for Life Insurance coverage into your certificate (cost of your life insurance coverage plus extra premiums) and have not previously withdrawn any amounts. You would be able to withdraw up to $50,000 from your cash value without being subject to income tax.