Regulated Variable
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 USA MADE HP 721A 0 30 VOLTS VARIABLE REGULATED METERED LAB BENCH DC POWER SUPPLY $98.00 Time Remaining: 2d 19h 11m Buy It Now for only: $98.00 |
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 USA POWER DESIGNS 4050 0 40V0 5A VARIABLE REGULATED METERED DC LAB POWER SUPPLY $289.00 Time Remaining: 26d 20h 1m Buy It Now for only: $289.00 |
 USMADE TRIPLE OUTPUT VARIABLE REGULATED DC POWER SUPPLY $289.00 Time Remaining: 10d 22h 30m Buy It Now for only: $289.00 |
 LAMBDA 0 60V DIGITAL REGULATED VARIABLE DC POWER SUPPLY $349.00 Time Remaining: 7d 11h 57m Buy It Now for only: $349.00 |
 KIKUSUI PAD 35 10L 0 35V0 10A REGULATED VARIABLE DC BENCH POWER SUPPLY AVIONICS $389.00 Time Remaining: 24d 15h 52m Buy It Now for only: $389.00 |
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 0 55V 0 6A REGULATED VARIABLE METERED DC POWER SUPPLY $349.00 Time Remaining: 28d 20h 45m Buy It Now for only: $349.00 |
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 USA MADE 0 36V0 5A VARIABLE REGULATED METERED LAB BENCH DC LAB POWER SUPPLY $289.00 Time Remaining: 26d 22h 12m Buy It Now for only: $289.00 |
 0 20V 0 30A DIGITAL REGULATED VARIABLE DC POWER SUPPLY $489.00 Time Remaining: 5d 22h 34m Buy It Now for only: $489.00 |
 LAMBDA EMI TCR 40S70 2 0 40V 0 70A VARIABLE REGULATED DC POWER SUPPLY $1,389.00 Time Remaining: 15h 33m Buy It Now for only: $1,389.00 |
 AGILENT HP 6434B 0 40V0 25A VARIABLE REGULATED DC POWER SUPPLY AIRCRAFT CHARGER $689.00 Time Remaining: 7d 22h 53m Buy It Now for only: $689.00 |
 USMADE POWER DESIGNS 6050C DIGITAL 0 60V0 5A REGULATED VARIABLE DC POWER SUPPLY $249.00 Time Remaining: 14d 19h 19m Buy It Now for only: $249.00 |
 LAMBDA TRIPLE OUTPUT VARIABLE REGULATED DC POWER SUPPLY $389.00 Time Remaining: 18d 15h 49m Buy It Now for only: $389.00 |
 KIKUSUI PAD 35 5L 0 35V 0 5A REGULATED VARIABLE DC POWER SUPPLY AVIONICS $249.00 Time Remaining: 13d 22h 59m Buy It Now for only: $249.00 |
 NEW POWER TEN 3300D 4015 0 40V0 15A DIGITAL VARIABLE REGULATED DC POWER SUPPLY $589.00 Time Remaining: 20d 18h 20m Buy It Now for only: $589.00 |
 AGILENT HP 6433B 0 36V0 10A REGULATED VARIABLE METERED DC LAB BENCH POWER SUPPLY $389.00 Time Remaining: 25d 21h 43m Buy It Now for only: $389.00 |
 MASTECH DUAL LINEAR REGULATED DC POWER SUPPLY VARIABLE 2 x 50V 5A + 2 x LEADS $329.95 Time Remaining: 28d 22h 50m Buy It Now for only: $329.95 |
 KEPCO ATE 25 40M 0 25V0 40A VARIABLE REGULATED DC BENCH POWER SUPPLY 4 AVIONICS $789.00 Time Remaining: 25d 22h 7m Buy It Now for only: $789.00 |
 USMADE POWER TEN 3300D 3033 0 30V0 33A VARIABLE REGULATED DC BENCH POWER SUPPLY $649.00 Time Remaining: 1d 16h 32m Buy It Now for only: $649.00 |
 USA MADE 0 30V 0 330A DIGITAL VARIABLE REGULATED DC SUPPLY 4 AIRCRAFT AVIONICS $3,989.00 Time Remaining: 13d 18h 6m Buy It Now for only: $3,989.00 |
Regulated Variable
Variable Life Insurance: The Product Of Choice When Using Cash Value Life Insurance For Investment Purposes
Cash value life insurance explained
Cash value life insurance products are life insurance policies which include "cash value," an highly-liquid, interest-bearing financial account which can be accessed for cash. Cash value makes life insurance useful even when the insured lives past an age when coverage is needed: the policy can be surrendered and its accumulated cash value used to fund a retirement (or whatever purpose the policyholder pleases). (There are also methods of accessing cash value without surrendering the policy.)
When selling life insurance, it is illegal to represent a cash value life insurance policy as an "investment." While that is not to the salesperson's advantage, it is probably to the advantage of the cash value life insurance products themselves because if the government classified them as investments, then they would not enjoy the tax advantages which they do.
Variable life insurance for beginners
Whereas a cash value life insurance policy itself may not qualify as an investment, its cash value, at least, can be invested. Variable life insurance gives that prerogative to the policyholder. For non-variable policies, the interest rate is either set by the insurer or bound to a particular market index.
Each variable life insurance product specifies where its cash value may be invested (government regulation requires it), but the policyholder is free to distribute his cash value among any of the available securities and to redistribute said cash value at will.
Because of the extra administration cost inherent in investing cash value accounts on an individual basis and in carrying out a client's investment instructions, variable life insurance policies carry an asset-management fee, a small percentage of the cash value being handled.
Types of variable life insurance
There are two types of variable life insurance: variable whole life insurance and variable universal life insurance. Customers who are drawn to variable life insurance because of the potential return on investment will probably favor variable universal life insurance because it permits the policyholder to invest any amount he chooses, with whatever regularity he chooses. Contrariwise, the benefit of variable whole life insurance's fixed premiums is that the policyholder is less likely to let his policy lapse through non-payment.
How is lapse a concern for universal life insurance policyholders? Instead of requiring definite premiums for universal policies, insurance companies make periodic charges against universal life insurance policies' cash value accounts. If the cash value depletes, the policy lapses. Variable universal life insurance opens the possibility of a negative return on investment, which exacerbates the risk of cash value depletion.
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