Insurance policies that offer death benefit protection and cash values are Variable life or Universal Variable Life contracts. Premiums are invested into a separate account of investments. As the variable cash values exceed expenses, the cash value grows. Premiums can be flex or flexible paying.

Variable insurance policy holders can take out loans or borrow on the cash value if they choose so. The loans may not be needed to be repaid, as long as the premiums are covered.

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This is a form of permanent life insurance as it acts like a whole life policy by maturing at 100 or until death of the insured. A variable life contract can act as pure insurance and retirement benefit because of the cash value account.

Flex Premium

Many Variable contracts offer flexible premiums. These flex payments allow for skipping premiums or paying in lump sum. As long as the cash value and investment value outperform expenses, flexible premiums will keep the policy in effect.

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