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2. Calculator: How Much Life Insurance Do I Really Need? - AOL

   www.aol.com/lifestyle/calculator-much-life...

   4. Premium as Percentage of Income. Another method looks at how much you can reasonably spend on premiums. A common guideline is to allocate between 1% to 3% of your annual income toward life ...

3. Variable universal life insurance - Wikipedia

   en.wikipedia.org/wiki/Variable_universal_life...

   Variable universal life insurance (often shortened to VUL) is a type of life insurance that builds a cash value. In a VUL, the cash value can be invested in a wide variety of separate accounts, similar to mutual funds, and the choice of which of the available separate accounts to use is entirely up to the contract owner.

4. Whole life insurance - Wikipedia

   en.wikipedia.org/wiki/Whole_life_insurance

   However, universal life policies run a much greater risk, and are actually designed to lapse. Variable universal life insurance may outperform whole life because the owner can direct investments in sub-accounts that may do better. If an owner desires a conservative position for his cash values, par whole life is indicated.

5. Actuarial present value - Wikipedia

   en.wikipedia.org/wiki/Actuarial_present_value

   And let T (the future lifetime random variable) be the time elapsed between age-x and whatever age (x) is at the time the benefit is paid (even though (x) is most likely dead at that time). Since T is a function of G and x we will write T=T(G,x). Finally, let Z be the present value random variable of a whole life insurance benefit of 1 payable ...

6. What Is Variable Life Insurance? - AOL

   www.aol.com/finance/variable-life-insurance...

   Variable life insurance is an insurance product designed to provide a death benefit to your beneficiaries when you pass away. In addition to a death benefit, the policy offers a cash value ...

7. How Variable Universal Life (VUL) Insurance Works - AOL

   www.aol.com/finance/variable-universal-life-vul...

   Variable universal life insurance is a type of permanent life insurance policy, like whole life insurance. The growth in a VUL’s cash value is tax-deferred, like growth in a health savings ...