Sentences with phrase «value of variable life insurance policies»

The cash value of variable life insurance policies can grow at a much faster rate and in certain cases can be used to pay premiums.

The cash value of variable life insurance policies can grow at a much faster rate and in certain cases can be used to pay premiums.

A. Just like other types of permanent life insurance policies, you can take a loan from the cash value of a variable life insurance policy.

Taxes and Variable Life As in permanent life policies, the cash value of a variable life insurance policy grows on a tax deferred basis.

With this in mind, it is possible that the value of a variable life insurance policy's investment component could fall if the underlying investments perform poorly.

Additionally, investment risks within the cash value of a variable life insurance policy fall completely on the policyholder, not the insurance company.

Not exact matches

Since the growth of your policy's cash value is tax - deferred, variable life insurance might be a good consideration if you've maxed out your retirement account contributions, have a sizable portfolio of more liquid assets (such as in your brokerage and savings accounts), and are looking for an additional investment vehicle that also offers coverage to your dependents should anything happen to you.

Variable life insurance is also similar to whole life insurance but, instead of having a guaranteed rate of growth, the cash value of the policy can be invested in sub-accounts offered by the insurer.

Policies such as variable universal life insurance combine components of the above, blending the investment flexibility of variable life with the ability to use the cash value to pay monthly premiums offered in universal life.

Certain types of life insurance policies, including variable life, cash value life insurance and whole life insurance, combine life insurance with a tax - deferred investment account, and provide tax - free access to the cash value of the policy.

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If you are considering permanent life insurance — such as whole life, universal life, or variable life insurance — you probably know that these types of policies provide both death benefits and cash value accumulation.

Variable Universal Life (VUL) is defined as a type of permanent insurance policy, in which the cash value can be invested into different accounts consisting, for example, of stocks, bonds and mutual funds.

Variable life insurance is also similar to whole life insurance but, instead of having a guaranteed rate of growth, the cash value of the policy can be invested in sub-accounts offered by the insurer.

With a variable life insurance policy, you can make a series of withdrawals from the policy's cash value, make a single large withdrawal or simply use the cash value as collateral in a policy loan.

Therefore, with the same cash value rate of return, you would actually perform worse with a variable life insurance policy.

Variable universal life insurance policies have the cash value structure of variable life insurance, but you can use the cash value to pay pVariable universal life insurance policies have the cash value structure of variable life insurance, but you can use the cash value to pay pvariable life insurance, but you can use the cash value to pay premiums.

Whereas whole life insurance provides fixed rates of return on the account value, at rates determined by the insurance company, variable life insurance provides the policyholder with investment discretion over the account value portion of the policy.

Since you're able to choose from a variety of investment options, variable life insurance policies have higher upside potential than other cash value policies, such as whole life insurance.

Variable life insurance policies have higher upside potential than other permanent life insurance policies as you can choose how the cash value is invested from a variety of options.

CFA's Rate of Return (ROR) service estimates «true» investment returns on any cash value life insurance policy — whole life, universal life (fixed or indexed) or variable universal life (cash values in mutual - fund - like accounts).

Whether the return of cash value is guaranteed, as in a whole life or guaranteed UL policy OR whether based upon the financial markets, as in IUL and Variable UL policies, the idea behind permanent insurance is to accrue a nest egg of usable cash value within a life insurance policy.

Note: Variable life insurance policy values are not guaranteed, will fluctuate based on performance of the underlying investments, and may be worth more or less than the premiums paid.

Include the cash value of your whole life, universal life or variable universal life insurance policies

The cash value of a variable universal life insurance policy is not guaranteed.

Like variable life, you can invest the cash value portion of the policy among the insurance company's portfolio of investments.

If your investments do well, a variable life insurance policy can earn more cash value than other types of life insurance.

But take into account what type of cash value policy you have; whole life is more likely to grow at a steady rate, while variable life insurance can be less insulated from market downturns.

A variable universal life insurance policy takes the best (or worst, depending on how you look at it) of the other two policies: you can adjust the premium and death benefit amount while investing the cash value in the policy's sub-accounts.

The cash value of variable insurance isn't guaranteed if your investments underperform, and the cash value of a universal life policy is protected from risk but can be depleted if it's accessed to pay the policy premiums (explained below); neither offers dividends.

There's a lot of potential with a variable universal life insurance policy, because it comes with the options and flexibility of its parent policies, but it also takes more effort to get the most value.

Amounts in a variable life insurance policy's variable investment options are subject to fluctuation in value and market risk, including loss of principal.

Amounts in the variable life insurance policy's cash value are invested in a variety of variable investment portfolios.

Just as with the cash value component of other types of life insurance policies, the funds that are in the investment component of a variable insurance plan are allowed to grow on a tax - deferred basis, meaning that the money will not be taxed until the time of withdrawal.

Your Variable life insurance investment options can be subjected to the fluctuations of the market which can affect your policy and lose value.

Variable Universal life insurance policies (VUL) are a type of permanent life insurance designed to build cash value and provide a death benefit.

Variable life insurance is a form of whole life insurance, a type of policy that allows you to build up a cash value.

But since the costs of insurance and rate of interest the cash value may earn are both variable, universal life is usually purchased and premiums are determined by «illustrating» these variables to see how the policy will perform.

With a variable life insurance policy individuals can invest the cash value of their policy in a number of investment vehicles, including stocks, bonds and or a combination of the two.

The Variable life insurance can offer you the possibility of a greater death benefit and cash value when compared to other permanent life insurance policies.

With a variable universal life insurance policy, the return on the policy's cash value is based upon the performance of underlying equity investments such as mutual funds.

Variable Life Insurance (VL) is a permanent Life Insurance plan that provides flexible premiums and death benefits dependent on the value of the separate accounts from the company's investment portfolio underlying the policy.

Given this, the owner of a variable life insurance policy should generally have a higher risk tolerance, as it is possible that the value of the invested funds could fluctuate up and down regularly.

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Variable Life Insurance is a special type of a Permanent Life Insurance policy in which both the death benefit and the cash value depend on the investment performance of the underlying assets, usually one or two investment accounts known as «separate accounts» (or «sub-accounts») within the insurance company's pInsurance is a special type of a Permanent Life Insurance policy in which both the death benefit and the cash value depend on the investment performance of the underlying assets, usually one or two investment accounts known as «separate accounts» (or «sub-accounts») within the insurance company's pInsurance policy in which both the death benefit and the cash value depend on the investment performance of the underlying assets, usually one or two investment accounts known as «separate accounts» (or «sub-accounts») within the insurance company's pinsurance company's portfolio.

Variable Universal Life Insurance (VUL) is a permanent type of Life Insurance combining the essential features of Variable Life Insurance and Universal Life Insurance, thus allowing the policyholder to allocate premiums to different investment options, to build up cash value and to determine when and how much you invest in your policy.

The variable life products are offered through registered representatives to consumers who are looking to more aggressively grow cash value inside of their life insurance for later access or policy growth.

Variable Life Insurance is fraught with more risks for the policyholder than any other types of insurance with a buildup of cash value feature because both the cash value and the amount of the death benefit may fluctuate up or down depending on the performance of the investment funds selected by the policyholder to underlie thInsurance is fraught with more risks for the policyholder than any other types of insurance with a buildup of cash value feature because both the cash value and the amount of the death benefit may fluctuate up or down depending on the performance of the investment funds selected by the policyholder to underlie thinsurance with a buildup of cash value feature because both the cash value and the amount of the death benefit may fluctuate up or down depending on the performance of the investment funds selected by the policyholder to underlie the policy.

There's a lot of potential with a variable universal life insurance policy, because it comes with the options and flexibility of its parent policies, but it also takes more effort to get the most value.

For those who want the protection of a life insurance policy and don't mind paying extra for the added benefit of potentially being able to earn cash - value growth on their premium dollars, the dual nature of a variable universal life (VUL) insurance policy may be a good choice.