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Combines the protection features of life insurance with the
investment potential of common stocks. The insured can choose
between several investment options: stock funds, bond funds, real
estate funds, or any combination. These contracts do provide a
minimum guaranteed death benefit. The actual death benefit could
be higher depending upon the performance of the investment
vehicle chosen. Because it does rely upon the stock market's
growth, the cash value also fluctuates. There is no guarantee to
the amount of the cash value and the premiums paid are fixed.
There are policy provisions that allow loans to be made from the
cash value, too. **
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