退保現金值
cash surrender value
指在退保時保單的價值，即指投保人放棄繼續購買忍受保單時，可從保險公司去會的現金價值部分。由於有棄保險金值的存在，一般銀行均願接受人壽保險單為貸款的抵押品。
It refers to the value at the time of surrender of the policy, meaning that policyholders continue to give up endured purchase insurance policy from the insurance company to be cash value portion. Due to the presence of abandoned insurance value, banks are generally willing to accept life insurance policies as collateral for loans.