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No insurance resource would be complete without a helpful menu of terms and concepts. This information-rich list will help you make sense of the solutions you are considering.
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Securities-based whole life policies for which the policy owner chooses how cash values will be invested. Each variable life policy has a set number of separate accounts. Typically, there are accounts (similar to mutual funds) that are equity based, bond fund, money market fund, possibly an indexed fund, and usually a general account (fixed interest rate). The policy owner may take withdrawals and loans or cash in the policy for its current cash value.