Haïti - Flash : Dernier Interview et Guerrier Henri depuis sa cellule de prison - Son retour semble être proche - Full Interview

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Haïti - Flash : Dernier Interview et Guerrier Henri depuis sa cellule de prison - Son retour semble être proche - Full Interview. Suivez l'interview ci-dessous...


De ce même dossier : Koute Jounal Premye Okazyon Avèk Bob C Sou Radio Caraibes FM


_Promoted

Variable Life Insurance


Variable life insurance is also similar to whole life insurance but, instead of having a guaranteed rate of growth, the cash value of the policy can be invested in sub-accounts offered by the insurer. Each of these sub-accounts behaves somewhat like a mutual fund, as your money is invested in a specified portfolio and the cash value will increase or decrease in value depending upon how that portfolio performs. Should your investments perform well and the cash value increases, it can be used to pay premiums or purchase additional coverage. However, you take on the risks inherent in investing (meaning you might lose the cash value) and don’t have the full range of investment options which would be offered through a brokerage account or retirement account.
Since the growth of your policy’s cash value is tax-deferred, variable life insurance might be a good consideration if you’ve maxed out your retirement account contributions, have a sizable portfolio of more liquid assets (such as in your brokerage and savings accounts), and are looking for an additional investment vehicle that also offers coverage to your dependents should anything happen to you. However, given the complexity of the policy, the additional costs correlated with permanent life insurance policies, and the potential to lose the entirety of the account’s cash value, it’s not recommended if your primary intent is to provide financial coverage in the case of your death.

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