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Choosing Between Whole and Variable Life Insurance
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Choosing Between Whole and Variable Life Insurance
When choosing between a whole life and a variable life policy, keep in mind your level of investment expertise and your death benefit needs. With a whole lie policy, your premium payments and the insurance coverage your beneficiaries receive are not likely to change.
Conversely, a variable policy places the investment risk on you. If the value of your separate accounts declines, your death benefit may decrease and your premium payments may increase. However, if the accounts increase in value, you and your beneficiaries have the potential to benefit.
To find out more information about how either a whole life insurance or variable life insurance policy can meet your needs, you can compare quotes from different life insurance companies in order to choose the best policy for you. |
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