The majority of the life policies in my product portfolio are feature rich. So feature rich that often folks don't realize how powerful a tool they can be while you are alive. They simply don't retain all the information I give them when at the policy delivery and review. I am referring to far more than the Long Term Care rider that gives you access to your death benefits before you die. While not comprehensive this article provides a sneak peak at the versatility and agility these policies can offer. Realize that the policy you have may have many "bells and whistles" not included in this article. If you are planning for college, making major purchase, or making adjustments to your retirement strategy it's worth a few minutes to give me a ring and find out what your policy's cash value can do for you. Give it a quick glance here.