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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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A type of deferred annuity that can vary in value according to the performance of the underlying investment fund options. The policy owner accepts the investment risk for these products. Low Load variable annuities have no surrender charges and no sales loads.
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.