Variable Life Insurance
Permanent life insurance that lets you invest your cash value in stocks, bonds, and mutual funds for potentially higher returns.
How Variable Life Works
Variable life insurance is a permanent policy that combines a death benefit with an investment component. Your premiums are fixed, and a portion goes into sub-accounts — similar to mutual funds — that you choose based on your risk tolerance.
The cash value and sometimes even the death benefit can fluctuate based on the performance of your chosen investments. This means higher potential growth, but also more risk compared to whole or universal life.
- Invest in stocks, bonds, and funds
- Higher growth potential than whole life
- Guaranteed minimum death benefit
Who is it best for?
- Experienced investors comfortable with market risk.
- High-income earners looking for tax-advantaged investment growth.
- People who want permanent coverage with higher return potential.
Did you know?
Variable life insurance offers a guaranteed minimum death benefit regardless of investment performance — so even if your investments decline, your beneficiaries are still protected.