Variable Life Insurance

Designed for growth, this policy allows you to invest the cash value of the policy into various investment alternatives. This affords cash value the potential to grow at a faster rate than it would in another type of plan.

• Death benefit and cash value fluctuates according to underlying investments.
• Cash value and death benefit may be invested in domestic or international stocks, bonds, real estate and other, more speculative investments.
• Higher cash values and death benefits may be obtained or lost due to the financial climate.
• Investment earnings are tax-deferred.

There are two types of variable life insurance policies available to you: scheduled and flexible.

Scheduled premium variable life insurance

Premium payments are fixed as to timing and amount.

Flexible premium variable life insurance

Policyholders may change the timing and/or amount of their premium payments.