Variable Life Insurance Guide 2025: Risks & Rewards

Understanding Variable Life Insurance in 2025

Navigating the world of life insurance can feel complex, with various policy types offering different features and benefits. One option that often generates questions is variable life insurance (VLI). What exactly is it? Who is it designed for? And how does it compare to other life insurance choices? This guide aims to demystify variable life insurance, providing a clear, comprehensive overview updated for 2025.

At its core, variable life insurance is a form of permanent life insurance that includes an investment component. Unlike traditional whole life insurance, where the cash value grows at a guaranteed (though often modest) rate, the cash value in a VLI policy is invested in sub-accounts, similar to mutual funds. This means the policy’s cash value, and sometimes even the death benefit, can fluctuate based on the performance of these underlying investments. This potential for higher growth comes hand-in-hand with investment risk.

Choosing the right life insurance is a significant financial decision. Variable life insurance, with its inherent market exposure, requires particularly careful consideration. It’s not a one-size-fits-all solution. This is where seeking personalized guidance becomes crucial. At Insurance By Heroes, we understand the weight of this decision. Founded by a former first responder and military spouse, our agency is built on a foundation of service and trust. Our team, many with backgrounds in public service themselves, specializes in helping individuals and families navigate complex insurance choices. As an independent agency, we aren’t tied to a single carrier; instead, we work with dozens of top insurance providers. This allows us to shop the market objectively and tailor coverage specifically to your needs, risk tolerance, and financial goals.

What Exactly is Variable Life Insurance (VLI)?

Variable life insurance is a unique type of permanent life insurance policy that combines a death benefit with a cash value account that you, the policyholder, can allocate among various investment options offered within the policy. Think of it as a hybrid product, offering both insurance protection and the potential for market-driven growth.

Let’s break down the key components:

• Death Benefit: This is the core insurance component – the amount paid out to your beneficiaries upon your passing. Most VLI policies guarantee a minimum death benefit, regardless of investment performance. However, if your chosen investments perform well, the death benefit can increase above this minimum. This is a key feature often described as a life policy with a death benefit that can fluctuate. Poor investment performance could potentially reduce the death benefit, but typically not below the initial guaranteed amount, provided premiums are paid. The specifics of how the variable life death benefit adjusts depend on the policy contract.
• Cash Value: A portion of your premium payments goes into a separate cash value account. Unlike traditional whole life where this grows at a fixed rate, in a VLI policy, you direct how this cash value is invested among various “sub-accounts.” These sub-accounts typically include options like stock funds, bond funds, and money market funds, mirroring mutual funds. The performance of these investments directly impacts your variable life insurance cash value growth. Positive returns can significantly increase your cash value over time, while negative returns can lead to losses.
• Premiums: Premium structures can vary. Traditional variable life policies often have fixed, level premiums throughout the policy’s life. However, a closely related product, Variable Universal Life (VUL), offers more flexibility in premium payments. Understanding the variable life insurance cost involves looking not just at the premium but also at the internal fees and charges associated with the policy and its investments. For policies structured similarly to whole life but with variable investment options, you might see terms like variable whole life premium used.

How VLI Differs from Other Life Insurance Types

Understanding VLI is easier when comparing it to other common policy types:

• Term Life Insurance: Provides coverage for a specific period (e.g., 10, 20, 30 years). It’s generally the most affordable type of life insurance for a given death benefit but offers no cash value accumulation or investment component. If you outlive the term, the coverage ends unless renewed (often at much higher rates).
• Whole Life Insurance: Offers lifelong coverage with guaranteed level premiums, a guaranteed death benefit, and guaranteed cash value growth at a rate set by the insurer. It’s predictable and lower risk, but the growth potential is typically much lower than VLI’s potential upside.
• Universal Life (UL) Insurance: Another form of permanent insurance offering flexibility. Policyholders can often adjust their premium payments (within limits) and death benefit amount. Cash value grows based on current interest rates credited by the insurer, which can fluctuate but usually has a minimum guarantee. It’s generally less risky than VLI but offers less upside potential.
• Variable Universal Life (VUL) Insurance: This popular variant combines the investment sub-accounts of VLI with the premium and death benefit flexibility of Universal Life. Many searches for “variable life insurance” might actually lead to information about VUL due to its prevalence. It offers the most flexibility but also carries the investment risks of VLI and the potential complexities of managing flexible premiums.

The distinctions between these policies, especially between traditional VL and VUL, can be subtle but important. This complexity underscores the value of working with knowledgeable professionals. The team at Insurance By Heroes helps clarify these differences, drawing on options from multiple carriers to illustrate the trade-offs. Because we are independent, our focus is solely on finding the right policy structure – whether it’s VLI, whole life, term, or something else – that aligns with *your* specific financial picture and protection needs.

How Does the Investment Component Work in VLI?

The defining feature of variable life insurance is its investment component. Understanding how this works is critical before considering such a policy.

Sub-Accounts: Your Investment Choices

When you pay premiums for a VLI policy, after deductions for the cost of insurance and administrative fees, the remaining amount goes into the cash value account. You then allocate this cash value among various investment options called sub-accounts. These sub-accounts function much like mutual funds, each with its own investment objective, risk profile, and underlying assets (e.g., large-cap stocks, international bonds, balanced portfolios, money market instruments).

The insurance company provides a selection of sub-accounts, often managed by well-known investment management firms. You choose how to divide your cash value among these options based on your investment goals, time horizon, and tolerance for risk.

The Prospectus: Required Reading

Because variable life insurance involves securities (the sub-accounts), it is regulated by the Securities and Exchange Commission (SEC) in addition to state insurance departments. Issuers must provide potential buyers with a prospectus. This crucial document details:

• The policy’s features, benefits, and guarantees (or lack thereof).
• All fees and charges associated with the policy and the sub-accounts.
• Information about each sub-account, including investment objectives, strategies, risks, and past performance (though past performance is not indicative of future results).
• Rules regarding transfers between sub-accounts, withdrawals, and loans.

Reading and understanding the prospectus is essential before purchasing a VLI policy. It contains the fine print that dictates how your policy will actually function and what risks you are taking on.

Investment Risk: You Bear It

This is the most critical aspect to grasp: With variable life insurance, the policyholder assumes the investment risk. The value of your sub-accounts will rise and fall with market fluctuations. If your chosen investments perform poorly, your cash value can decrease, potentially significantly. In some scenarios, prolonged poor performance could even cause the policy to lapse if the cash value becomes insufficient to cover the internal policy charges, unless you pay higher premiums.

While the death benefit often has a guaranteed minimum, the potential for the cash value to decline is real. This makes VLI fundamentally different from traditional whole life, where the insurer guarantees the cash value growth rate.

Potential for Growth

The flip side of investment risk is the potential for higher returns. If the financial markets perform well over the long term, the cash value in a VLI policy could potentially grow much faster than in a traditional whole life policy. This accelerated growth could lead to a larger cash value accumulation and potentially an increased death benefit, making variable life insurance as an investment element attractive to some.

Navigating these investment choices and understanding the associated risks requires careful consideration. At Insurance By Heroes, our team understands planning for the future, especially amidst uncertainty – it’s ingrained in our backgrounds of public service. We take the time to discuss your financial goals and comfort level with risk. Because we work with dozens of carriers, we can present VLI options alongside other, potentially less volatile, permanent life insurance policies, helping you make an informed decision that truly fits your life circumstances.

Types of Variable Life Insurance Policies

While “variable life insurance” is the umbrella term, you might encounter slightly different variations or related products in the market. Understanding these can help clarify your options:

Traditional Variable Life (VL)

This is the original form. It typically features:

• Fixed, level premiums payable for life or a set period.
• A guaranteed minimum death benefit.
• Cash value growth tied directly to the performance of chosen sub-accounts.
• The potential for the death benefit to increase above the minimum based on positive investment performance (subject to policy rules).

It offers less flexibility than VUL but provides more structure in terms of premium payments.

Variable Universal Life (VUL)

Often considered the more modern and popular version, VUL combines the investment features of VL with the flexibility of Universal Life insurance:

• Flexible premiums: You can often vary the amount and timing of your premium payments within certain limits, provided the cash value is sufficient to cover policy charges.
• Adjustable death benefit: You may have options to increase or decrease the death benefit amount over time (subject to underwriting for increases).
• Cash value growth tied to sub-account performance.
• Investment risk borne by the policyholder.

VUL offers the most control but also requires diligent management to ensure the policy remains adequately funded, especially during periods of poor market performance or when paying lower premiums.

Variable Whole Life Insurance

The term variable whole life insurance can sometimes be used interchangeably with traditional Variable Life. However, it might specifically refer to a policy designed to mimic some whole life guarantees (like the minimum death benefit and perhaps a fixed premium structure) while still incorporating the variable investment component. It emphasizes the permanent nature combined with investment potential. You might see related searches like variable whole life policy, variable whole life, or variable whole life insurance policy. The key takeaway is that it involves investment sub-accounts and market risk, distinguishing it from traditional whole life.

What About Variable Term Life Insurance?

Keywords like variable term life insurance and variable term life sometimes appear in searches. However, standard term life insurance, by definition, provides coverage for a fixed term and does *not* build cash value. Since there’s no cash value component to invest, a “variable term life” product doesn’t exist in the conventional sense. It’s possible these terms arise from confusion or refer to extremely niche products or riders that might link some aspect to market indices, but it’s not a mainstream category like VLI or VUL. If you need temporary coverage, traditional term life is the standard product. If you need permanent coverage with investment features, you’re looking at VL or VUL.

The variety of names and features can be confusing. Different insurance companies might market similar policies under slightly different labels. This is another reason why working with an independent agency like Insurance By Heroes is beneficial. We aren’t limited to one company’s product suite or terminology. We compare policies from numerous carriers, focusing on the underlying structure, benefits, risks, and costs to help you understand what a specific variable life policy or variable insurance plan truly offers, regardless of its name.

Pros and Cons of Variable Life Insurance

Like any financial product, variable life insurance comes with potential advantages and disadvantages. Weighing these is crucial to determine if it aligns with your needs.

Potential Pros:

• Higher Growth Potential: The primary appeal of VLI is the potential for the cash value to grow significantly faster than traditional whole life or universal life policies, thanks to market-linked returns in the sub-accounts.
• Increasing Death Benefit: Strong investment performance can potentially increase the death benefit paid to beneficiaries beyond the initial guaranteed amount.
• Tax-Deferred Growth: Similar to other permanent life insurance, the cash value grows on a tax-deferred basis. You don’t pay annual income taxes on the investment gains within the policy as long as the money stays inside.
• Tax-Free Death Benefit: The death benefit paid to beneficiaries is generally received income tax-free.
• Flexibility (Especially VUL): Variable Universal Life policies offer significant flexibility in adjusting premiums and death benefits over time.
• Access to Cash Value: You can typically borrow against the policy’s cash value or make withdrawals. Loans are generally income tax-free (if the policy remains in force), while withdrawals up to your basis (total premiums paid) are usually tax-free. However, loans accrue interest, and both loans and withdrawals reduce the cash value and death benefit, potentially causing the policy to lapse if not managed carefully.

Potential Cons:

• Investment Risk: This is the most significant drawback. Poor performance in the sub-accounts can cause the cash value to decline, potentially eroding the funds meant to cover policy charges and potentially leading to policy lapse if not addressed. The death benefit could also decrease (though usually not below the guaranteed minimum).
• Higher Fees and Expenses: VLI policies are complex and typically come with higher internal costs compared to term or traditional whole life. These can include sales charges (loads), mortality and expense (M&E) risk charges, administrative fees, underlying fund management fees for the sub-accounts, cost of insurance (COI) charges, surrender charges (if you cancel early), and fees for any optional riders. High fees directly reduce your net investment returns and increase the variable life insurance cost.
• Complexity: Understanding the investment options, fee structures, tax implications, and ongoing management requirements makes VLI more complex than simpler insurance types. It requires a greater level of engagement from the policyholder.
• Potential for Lapse: If investment performance is poor and/or insufficient premiums are paid (especially in flexible premium VUL policies), the cash value could be depleted by policy charges, causing the policy to lapse and coverage to terminate.
• Not Suitable for Everyone: Due to the investment risk and complexity, VLI is generally not suitable for individuals who are risk-averse, need guaranteed returns, or are looking for a simple, set-it-and-forget-it insurance solution.

At Insurance By Heroes, transparency is paramount. Our commitment, deeply rooted in the service backgrounds of our founder and team, is to provide honest, straightforward advice. Variable life insurance can be a powerful tool for the right person, but it carries risks that must be fully understood. We will clearly explain the pros and cons as they relate to *your* situation. If VLI doesn’t seem like the best fit, we’ll tell you that and explore simpler, potentially more suitable options from the wide array of carriers we represent. Our goal isn’t just to sell a policy; it’s to ensure you have the *right* protection and financial strategy for your family’s future.

Who Should Consider Variable Life Insurance?

Given its unique blend of insurance protection and investment risk, variable life insurance is best suited for a specific type of individual. Consider VLI if you:

• Are Comfortable with Investment Risk: You understand that financial markets fluctuate and are willing to accept the possibility that your policy’s cash value and potentially its death benefit could decrease in value.
• Seek Potentially Higher Returns: You are looking for greater growth potential than offered by traditional fixed-rate permanent life insurance policies and are willing to trade guarantees for that potential upside.
• Have a Long-Term Financial Horizon: VLI is designed as a long-term strategy. The impact of fees is often more significant in the early years, and riding out market fluctuations requires a long-term perspective.
• Have Maxed Out Other Tax-Advantaged Retirement Savings: If you’re already contributing the maximum allowed to accounts like 401(k)s and IRAs, VLI can offer an additional vehicle for tax-deferred growth, primarily intended to provide a death benefit but with investment potential alongside.
• Need Permanent Life Insurance Coverage: Your need for life insurance extends beyond a specific term (e.g., for estate planning, lifelong income replacement for a dependent, business succession).
• Are Prepared for Active Policy Management: Especially with VUL, you need to monitor investment performance and ensure sufficient cash value or premium payments are made to keep the policy in force.

Conversely, VLI is likely *not* a good fit if you:

• Are risk-averse and prioritize guarantees over potential growth.
• Need short-term life insurance coverage (term life is usually more appropriate).
• Are looking for a simple, low-maintenance insurance product.
• Cannot afford potentially higher premiums or internal costs.
• Have not yet maximized contributions to traditional retirement accounts.

Determining suitability isn’t always straightforward. It requires a candid conversation about your financial situation, your goals for the insurance, your understanding of investments, and your comfort level with market volatility. This is where the personalized approach of Insurance By Heroes makes a difference. We start by listening to your needs and concerns. Drawing on our experience and access to numerous insurers, we then help you evaluate whether a variable life insurance policy, or perhaps a different type of coverage altogether, is the most appropriate solution for you and your family. Our background in service means we prioritize your well-being over pushing any single product.

Understanding Variable Life Insurance Costs and Fees

One of the most critical aspects of evaluating a variable life insurance policy is understanding its associated costs and fees. These charges directly impact the growth of your cash value and the overall value proposition of the policy. VLI policies are generally more expensive than term life and often carry higher internal charges than traditional whole life due to their complexity and investment features.

Here’s a breakdown of common fees you might encounter:

• Sales Loads and Surrender Charges: Some policies have front-end loads (deducted from premiums before investment) or back-end loads, also known as surrender charges. Surrender charges are fees imposed if you cancel or withdraw significant amounts from the policy within a specified period (e.g., the first 10-15 years). These charges can be substantial and decline over time.
• Mortality and Expense (M&E) Risk Charges: This is an ongoing charge, typically expressed as a percentage of the policy’s cash value in the investment accounts. It compensates the insurance company for various risks, including the risk that policyholders might live shorter (for the death benefit guarantee) or longer (for annuity features, if any) than expected, and covers certain administrative costs and profit margins.
• Administrative Fees: These charges cover the costs of record-keeping, processing transactions, and other administrative tasks. They might be a flat annual fee or deducted monthly.
• Investment Management Fees: Each sub-account you invest in carries its own management fee, similar to the expense ratios of mutual funds. These fees compensate the professional managers overseeing the investment portfolios within the sub-accounts and vary depending on the fund’s strategy (e.g., stock funds typically have higher fees than bond or money market funds).
• Cost of Insurance (COI): This is the fundamental cost of the life insurance protection itself (the death benefit). It’s based on the insured person’s age, health rating, gender, and the amount of coverage (specifically, the “net amount at risk” for the insurer). COI charges are deducted regularly (usually monthly) from the policy’s cash value and typically increase as the insured gets older.
• Rider Costs: If you add optional benefits or features (known as riders) to your policy, such as an accelerated death benefit rider, waiver of premium rider, or a variable life rider offering specific investment guarantees (less common but possible), each will come with an additional cost.
• Loan Interest: If you take a loan against your policy’s cash value, you will be charged interest. While the rate might be relatively favorable compared to unsecured loans, it’s still a cost that impacts your policy value.

The Impact of Fees

All these fees are deducted directly or indirectly from your premium payments or cash value. They create a drag on your investment returns, meaning your sub-accounts need to earn a return *above* the total fees just to break even or achieve positive growth in your cash value. High fees can significantly diminish the long-term growth potential that makes VLI attractive in the first place.

The Importance of Comparison

Fees and charges can vary substantially from one insurance company to another and from one VLI policy to another. It is absolutely essential to compare the fee structures of different policies carefully. A policy with slightly lower headline investment returns but significantly lower fees might ultimately provide better net growth over the long run.

This is where the independent advantage of Insurance By Heroes shines. We don’t just look at premium quotes; we help you compare the *total* internal costs and features across VLI policies from dozens of different carriers. Understanding the fee disclosure in the prospectus can be daunting. Our team, committed to clarity and integrity, helps decipher these details, ensuring you understand the true variable life insurance cost before making a commitment. We aim to find not just competitive variable life insurance rates, but the best overall value for your specific needs.

Variable Life Insurance Rates and Quotes

Obtaining accurate variable life insurance rates or a meaningful variable life insurance quote is more complex than getting a quote for term life insurance.

Factors Influencing Costs

Several factors determine the cost structure and potential performance of a VLI policy:

• Your Personal Profile: Age, health status (based on medical underwriting), gender, and tobacco use significantly impact the Cost of Insurance (COI) charges within the policy.
• Coverage Amount: The size of the death benefit directly influences the COI charges.
• Policy Type and Riders: The specific VLI structure (traditional VL vs. VUL) and any added riders will affect the overall cost and fees (e.g., M&E charges, administrative fees, rider charges).
• Investment Choices (Indirectly): While your investment choices don’t directly set the “rate” like an interest rate, the management fees associated with the sub-accounts you choose are a key part of the ongoing cost. Furthermore, projected illustrations will show hypothetical returns based on assumed rates, but actual performance will vary.
• Premium Funding Level (for VUL): With flexible premium VUL, the amount and frequency of premiums you choose to pay significantly impact how the cash value grows and whether it can sustain the policy charges long-term.

The Limits of Generic Online Quotes

While you might find online tools offering generic VLI quotes, these often provide only very rough estimates. They typically cannot accurately capture:

• The detailed fee structure of specific policies.
• The impact of different investment sub-account choices and their associated fees.
• Your specific health rating, which requires underwriting.
• Your individual risk tolerance and investment objectives, which are crucial for determining suitability and designing an appropriate illustration.

A meaningful VLI quote requires a personalized illustration based on your details and a thorough discussion of the policy’s features, risks, and costs.

The Insurance By Heroes Approach to Quoting

At Insurance By Heroes, we believe in providing personalized, transparent information. When you request a variable life insurance quote from us, we start by understanding *you* – your needs, goals, budget, and comfort level with investment risk. Then, leveraging our status as an independent agency with access to dozens of top-rated carriers, we can:

• Identify suitable VLI policies (or alternatives, if appropriate) from multiple insurers.
• Run personalized illustrations showing how the policy might perform under different hypothetical scenarios (e.g., assumed rates of return), clearly outlining the guaranteed elements and the variable components.
• Explain the detailed fee structure of each proposed variable insurance plan.
• Compare the costs and benefits objectively.
• Guide you through the application and underwriting process if you decide to proceed.

Our goal is to provide you with the information you need to make an informed decision, ensuring the chosen policy aligns with your long-term financial security goals. We find competitive variable life insurance rates by shopping the market, but our focus remains on finding the *right* solution for you.

Variable Annuities vs. Variable Life Insurance

Sometimes, people confuse variable life insurance with another product offered by insurance companies: the variable annuity. While both involve investment sub-accounts and market risk, they serve fundamentally different purposes.

Here’s a brief comparison:

• Primary Purpose:
  • Variable Life Insurance (VLI): Primarily designed to provide a death benefit to beneficiaries upon the insured’s death, with a secondary feature of cash value accumulation through investments.
  • Variable Annuity (VA): Primarily designed as a retirement savings and income tool. It accumulates funds on a tax-deferred basis, intended to be paid out later, often as a stream of income during retirement (annuitization).
• Key Benefit Focus:
  • VLI: Tax-free death benefit for heirs.
  • VA: Potential for lifetime income payments during retirement.
• Underwriting:
  • VLI: Requires full medical underwriting to assess the insured’s life expectancy, which determines the cost of insurance.
  • VA: Typically requires little to no medical underwriting, as its main risk for the insurer relates to longevity (paying income for potentially longer than expected).
• Taxation of Payouts:
  • VLI: Death benefit is generally income tax-free. Withdrawals up to basis are tax-free; loan proceeds are generally tax-free if the policy stays in force. Gains withdrawn or realized upon surrender are taxable.
  • VA: Growth is tax-deferred. However, withdrawals of earnings and income payments during retirement are taxed as ordinary income. There is no tax-free death benefit comparable to life insurance (though annuities often have a death benefit feature where beneficiaries receive remaining account value or premiums paid, potentially subject to income tax on the growth).

Both VLI and VAs are complex products involving investment risk and various fees. They serve distinct financial planning needs. Variable life insurance is fundamentally life insurance focused on protection first, while a variable annuity is fundamentally a retirement accumulation and income tool.

If you’re unsure which type of product, if any, aligns with your goals, the team at Insurance By Heroes can help clarify the differences. As an independent agency, we offer access to both life insurance and potentially annuity products (depending on licensing and carrier offerings) and can provide objective guidance on which tool best suits your financial objectives, comparing options across the market.

Navigating Your Choice: Why Work With an Independent Agency Like Insurance By Heroes?

As we’ve explored, variable life insurance is a sophisticated financial product. It offers the potential for significant cash value growth linked to market performance but also carries inherent investment risks and comes with complex fee structures. Policies like variable life ins, variable whole life, and VUL require careful consideration and aren’t suitable for everyone.

Making the right choice requires understanding not only VLI itself but also how it compares to other life insurance options and whether it aligns with your personal financial situation, goals, and tolerance for risk. This is where the guidance of a trusted, knowledgeable advisor becomes invaluable.

The Insurance By Heroes Difference

Choosing Insurance By Heroes means partnering with an agency built on principles of service, integrity, and dedication – values instilled in our founder, a former first responder and military spouse, and shared by our team members, many of whom also come from public service backgrounds.

What sets us apart?

• Service-Oriented Approach: We understand the importance of planning, protection, and clear communication. We’re here to serve your best interests, not meet sales quotas for a single company.
• Independence: As an independent insurance agency, we are not captive to any one insurance carrier. Our loyalty is to you, our client.
• Market Access: We work with dozens of highly-rated insurance companies across the nation. This allows us to objectively shop the market for you, comparing various types of policies, features, and costs, including different variable life insurance policy options if appropriate.
• Personalized Guidance: We take the time to understand your unique circumstances before recommending any solution. We’ll help you determine if VLI makes sense for you, explain the potential risks and rewards in plain language, and compare it transparently against other options like term life or traditional whole life insurance. We help you decipher the details of a potential variable insurance life plan.
• Commitment to Education: Our goal is to empower you to make informed decisions. We’ll explain the intricacies of policies, including the investment sub-accounts, the impact of fees like the variable whole life premium structure or ongoing M&E charges, and how features like a variable life rider work.

We believe that everyone deserves access to clear, unbiased insurance advice from professionals they can trust. Our background in serving the community translates directly into how we serve our clients – with honesty, diligence, and a genuine desire to help you protect what matters most.

Take Control of Your Financial Future Today

Variable life insurance offers a unique combination of permanent life insurance protection and the potential for market-driven cash value growth. However, it’s a complex tool with inherent investment risks and typically higher costs than simpler forms of insurance. Understanding whether a VLI policy, such as a variable whole life insurance policy or a VUL, is the right choice requires careful consideration of your financial goals, risk tolerance, and long-term needs.

Don’t navigate this complex decision alone. The experienced, service-driven team at Insurance By Heroes is ready to help. As an independent agency founded by a former first responder and military spouse, we bring a unique perspective grounded in protection and planning. We leverage our relationships with dozens of top carriers to compare options objectively and find the insurance solution that truly fits your life.

Are you ready to explore whether variable life insurance aligns with your financial strategy, or perhaps compare it against other types of coverage? Let our heroes serve you. Get clear answers and personalized guidance. Request your no-obligation, personalized variable life insurance quote or consultation today by filling out the secure form on this page. We look forward to helping you build a secure future.