First Time Relationships

Variable Life Insurance   by Donald Lusan

Variable life insurance is like attaching a life insurance policy to your stock portfolio. Your portfolio may contain stocks, bonds, money market etc. which would give you the tremendous opportunity to earn awesome profits on your investments. You will choose where your money is invested, but as a result you also bear the risk. It is therefore incumbent on you to do some research before you get started.
A variable life insurance policy has a guaranteed death benefit and accumulates a cash value which is based on an assumed minimum interest rate of about 4%. This, however, may vary from company to company. Your investment will be separate and apart from your life insurance policy. You make the decision as to how much is applied to investment and how much to pay life insurance premiums. You may invest in stocks bonds, money market or any other applicable investment with the sole purpose of getting the highest return possible on your money.

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