Variable universal life (VUL) insurance is a type of permanent life insurance policy that allows for the cash component to be invested to produce greater returns. VUL insurance policies are built like traditional universal life insurance policies but let you invest the cash value in the market via...
Do I need life insurance? What if my spouse is financially dependent on me? What types of life insurance are there? What is whole life insurance? What is universal life insurance? What is variable life insurance? What is term life insurance? What are the different types of term insurance?
Variable is the operative word in the title because the various provisions of the policy can be adjusted, both at the time the policy is taken and just about any time thereafter. In most respects, VUL insurance is a variation of whole life insurance. That’s because it’s a permanent pol...
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Variable life is another permanent life insurance option. It sounds a lot like variable universal life but is actually an alternative to whole life with a fixed payout. Policyholders can use investment subaccounts to grow the cash value of the policy. Both variable universal life and variable ...
Death benefit is variable Death benefit and cash value can still go down, even with higher premiums Advantages Explained Multiple investment options: Because of the available investment options, variable life insurance can potentially accumulate more cash than traditional whole life insurance. On the fli...
Variable universal life insurance, a hybrid of variable and universal, allows the policyholder to change the premium and the death benefit, while investing the money in the stock market. Indexed universal life insurance pays interest based on stock indexes, though money is not directly invested in...
Whole life insurance is a type of permanent life insurance that pays a death benefit when you die. These policies, which include traditional whole life, universal life and variable life, provide life insurance protection for your entire lifespan. They also offer level premiums, meaning your monthl...
Whole life,variable life, anduniversal lifeinsurance are all examples of cash value life insurance. Term insurance is not cash value insurance. Accessing the Cash Value of Life Insurance The cash value componentserves as a living benefit for policyholdersfrom which they may access funds. There are...