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Variable life insurance policies are whole life cash value policies which offer the insured a choice in how your premium is invested from among a selection of investment alternatives offered by the insurer. The value of your variable life insurance policy depends upon how well the investments you've selected are performing. A variable life insurance policy gives you complete control over your investments, usually you can change your investment portfolio as often as you wish and many people prefer variable life because of this freedom.

Variable life insurance is the most expensive type of cash value insurance available. There are other cash value life insurance policies which have an investment component as well as a death benefit. These include: variable life insurance, whole life insurance , and universal life insurance

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