If you’re looking for a life insurance plan that can let your money grow over time, SEFCU’s variable life insurance policies may be the best option for you. With this type of life insurance, you take control of your money by investing your premiums in a diversified portfolio of stocks, bonds and other fixed-income investments. Though there is no guarantee of future returns, SEFCU policies offer portfolios that have performed well over the long term—increasing both the cash value and the death benefit. Even if the investments decline in value, however, the policy usually carries a minimum death benefit. Interested? Call SEFCU at 518-786-9905 or 888-250-6689 (outside the 518 area code), or e-mail agent@sefcuinsuranceagency.com.

In addition to the benefits of whole life insurance, variable policies often offer:

Annuity conversions. You can surrender your policy for cash or convert it to an annuity to help create greater retirement income.

Variable universal insurance option. For even greater flexibility, consider a variable universal life policy, which gives you the ability to alter the death benefit as well as the amount or timing of premium payments (subject to certain limits).

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