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Life Insurance Learning Center - Term Life Insurance Types

Flexible Premium Variable Life Insurance

Flexible Premium Variable Life Insurance, a relatively new form of term life insurance, has characteristics of both the variable and universal life insurance policies. The death benefits and premiums are variable, but there may not be a minimum guaranteed amount for the death benefit. The cash value is also variable in this term life insurance policy.

Again, there is a measure of risk when purchasing a term life insurance policy like this because the payouts on both the death benefit and the cash value are determined by the value of the investments that the term life insurance policy is tied to. If you are willing to take some risk, go for it.

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