Abstract: The use of an insurance policy to accumulate a cash balance. The insurance policy is set up, however, such that a cash balance can be accumulated rapidly. The insurance policy is structured such that a portion of a premium for the insurance policy is directed towards non-term coverage that results in some accumulation of cash balance in the insurance policy, and a portion of the premium for the insurance policy is directed towards term coverage. The insurance policy permits additional cash payments beyond the premium to be paid as a cash value increase to the insurance policy. Although these additional cash payments have a limit, the limit may be greater due to the presence of the term coverage than it would be without the term coverage.