The cash value in life insurance is able to earn investment returns without incurring current income tax as long as it meets the definition of life insurance and the policy remains in force. The tax free investment returns could be considered to be used to pay for the costs of insurance inside the policy.
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Key risks. UnitedHealth Group (UNH) is a health insurance provider. It faces a unique combination of business risks. On top of industry-specific risks, the company must contend with risks resulting from its business mix and the impact of the regulatory framework.