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Embedded value
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<p>The Embedded Value (EV) of a life insurance company is the <a href="/facts/Present_value/1Ea8bdC2">present value</a> of future profits plus adjusted <a href="/facts/Net_asset_value/x86l3vCk">net asset value</a>. It is a construct from the field of <a href="/facts/Actuarial_science/KxmCE0ME">actuarial science</a> which allows insurance companies to be valued. </p>