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As you are 65 years old now, the cost of insuring your life is much higher Each type of policy carries a different level of risk
The rest of the death benefit the policy will pay will come from the cash value In the early years of your policy, a larger portion of your premium is invested and allocated to the cash value account

How Cash Value Builds in a Life Insurance Policy

Variable life policies, on the other hand, can correspond more closely to the level of risk you might assume when investing in the stock market.

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How Cash Value Builds in a Life Insurance Policy
In the early years of the policy, a higher percentage of your premium goes toward the cash value
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With whole life policies, you're generally taking the least risk since your cash value accumulation is guaranteed
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Accumulation Slows Over Time When you have cash-value life insurance, you generally pay a
Over time, the amount allotted to cash value decreases Then in later years, the cash value accumulation slows as you grow older and more of the premium is applied to the cost of insurance
Generally, this cash value can grow quickly in the early years of the policy

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The cash value grows or falls based on how well these subaccounts perform.

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It's important to understand how cash value accumulation and risk correlate so you can choose a policy that fits your
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Life Goes On

Life Goes On

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Life Goes On
How Cash Value Builds in a Life Insurance Policy
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