Variable Regulated
2008
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Variable Regulated
Types of Variable Life Insurance Products
A variable life insurance policy is a type of permanent life insurance that allows policyholders to allocate some of their premium to a separate account that is made of various investment instruments within the insurance company's portfolio including equity funds, stocks, bonds, and money market funds. This type of life insurance carries greater risks because it is associated with investments that can go up or down in value. These contracts are regulated by federal securities laws and are sold with a prospectus. Variable life insurance products are generally the most expensive form of cash-value life insurance because policyholders have complete control over their investments.
Because variable life insurance is so customizable, there are no specific products to choose from. Instead, the insurance agencies can set up their own types of variable life insurance plans for their customers. This makes it very important to shop around before you invest in this type of life insurance plan. Each state has their own life insurance plan rules, the SEC has a hand at regulating variable life insurance because of its involvement with investments, and every insurance agency can set their own prices and policy packages. Also do some research to make sure this is the right plan for you because the investments are volatile and you can just as easily lose money as you can make it.
Keep in mind that although variable life insurance products are expensive and carry a lot of risk due to investing in financial markets, they also have profitable tax benefits. They also typically have larger fees than other types of life insurance policies. Cash earnings in a variable life insurance policy are not taxed until they are withdrawn from the account, which allows for great growth. This type of life insurance requires the policyholder to pay attention to market fluctuations and investment practices since they are responsible for the investment portfolio of the account. The death benefit associated with this type of insurance usually has a floor, but the cash value is not guaranteed.
For those that are able to play the market successfully, there is the potential for quicker and larger cash value accumulations than other types of life insurance policies. But because variable life insurance plays into the stock market, mutual fund investments and other similar types of investments, it is a lot riskier than universal life or whole life insurance. Many insurance agencies will warn you that this type of insurance is better fit for people with investment abilities and mutual fund knowledge.
If you would like more information on life insurance at prices half off the usual cost normally offered in the marketplace, visit our web site for a discounted rate quote on lifeinsurance.
About the Author
Sean Johnson is a financial advisor for http://life-insurance-buyer.com as a referral agency that connects consumers with insurance products half off the usual cost.
New variable speed furnace, do I need a new thermostat to pair with it?
I recently had a new furnace/air conditioning set up installed. The furnace is variable speed. My thermostat is 1 setting, either on or auto. Shouldn't the thermostat have a fan speed setting for auto, high AND low to get the most out of the system? Or does the furnace fan regulate itself as needed? I was hoping to leave it on low all day to keep air circulating even when the system isn't running, but don't I need a thermostat with all 3 settings then?
If you needed it, the company that installed the new unit would have, at least, tried to sell one to you. Inquire to the company. Many units "will" operate with any thermostat, but work better with specialty items. You can get a thermostat that is able to be programmed for different times of the day to switch temperatures.
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