Q: Who is allowed to withdraw money from the cash value of the policy? (Reference: The following details are for questions 16 through 18 [3 questions]) John has a Universal Life policy for $500,000 and based on the contract, here are the details. The primary beneficiary is his wife, Susan, and the kids are listed as the contingent beneficiaries The owner is Susan . John, the husband is the insured The payor is John Children Susan The Insurance Company John