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The New American Dream

Column · Brainz Magazine

The Difference Between a Death Benefit Policy and a Cash Accumulation Policy

Ron Harris explains in Brainz Magazine how a plain death-benefit life policy differs from a cash-accumulation policy, and why the difference matters for a family's balance sheet.

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Two policies can carry the same name and do very different jobs. In this Brainz Magazine column Ron Harris separates the death-benefit policy most families own from the cash-accumulation policy banks and corporations use, and explains what each one does for a household.

Read the column at Brainz Magazine.

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Hardcover, paperback, Kindle and audiobook. Out October 15, 2026.