Our Insurance Plans

Universal Life Insurance

The policy also includes a cash value component that earns interest over time. Universal life is ideal for those who want lifelong protection and the ability to adapt their policy to meet evolving financial needs.

Term Life Insurance

Term life insurance is the most straightforward and budget-friendly option. It offers coverage for a specific period—typically 10, 20, or 30 years—and pays a death benefit if the policyholder passes away during that term.

Whole Life Insurance

Whole life insurance provides lifetime coverage with the added benefit of guaranteed cash value growth. Premiums remain consistent, and your beneficiaries are assured a death benefit, no matter when you pass away.

Variable Life Insurance

Variable life insurance combines lifelong protection with investment opportunities. Part of your premium goes into a cash value account that can be invested in various portfolios such as stocks or bonds.

About Variable Life Insurance

At Variable Life Insurance, we believe in providing more than just protection—we offer a path to financial growth and long-term security. Our focus is on helping individuals and families safeguard their futures while building lasting value through smart investment opportunities.
With a Variable Life Insurance policy, you don’t just get a guaranteed death benefit—you gain the flexibility to invest a portion of your premiums into market-based options. This unique approach empowers you to grow your policy’s cash value over time, creating a powerful combination of life protection and financial potential.

We’re committed to offering transparent guidance, personalized support, and flexible plans designed around your goals. Whether you're planning for retirement, saving for your child’s future, or securing your family’s lifestyle, our variable life insurance solutions adapt with you at every stage of life.

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  • Finding affordable health coverage was a challenge until I found Variable Life Insurance. Their team explained every option clearly and helped me choose a plan that fits my needs and budget. Now I feel secure knowing I’m covered without breaking the bank! Maryann D. Bishop
  • I switched my car insurance to Variable Life Insurance and couldn’t be happier! The rates are way better than what I was paying before, and they even helped me bundle my policies for extra savings. Super friendly and professional service.Glenn C. Meraz
  • Buying my first home was overwhelming, but their advisor made the insurance part easy. They explained everything in simple terms and helped me get excellent coverage for a reasonable premium. I feel confident my home is protected!Ricky D. Campbell

Frequently Asked Questions

Variable Life Insurance is a type of permanent life insurance that provides both a guaranteed death benefit and an investment component. A portion of your premium is allocated to investment accounts, such as stocks and bonds, allowing your policy's cash value to grow based on market performance.

Unlike term or whole life insurance, variable life insurance includes investment options within the policy. This gives policyholders the potential to grow their cash value based on how their chosen investments perform—offering more flexibility and growth potential, but also more risk.

No. The cash value growth depends on the performance of your selected investment options. While you have the potential to earn more than with fixed policies, poor market performance could reduce your cash value—and in some cases, affect the death benefit if not managed properly.