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How much would john receive

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Janine owns a participating whole life policy with herself as annuitant and her son John as beneficiary. The policy has a current cash surrender value (CSV) of $65,000 and a death benefit of $200,000. Janine took a policy loan for $30,000 exactly 3 years ago and has made no payments to date. At the time she obtained the policy loan, the CSV was $40,000. The loan has a 5.5% interest rate, compounded annually. If Janine were to die today, how much would John receive?

Reference no: EM133150387

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