Cash value life insurance policies, also known as Permanent Insurance, or Unit-Linked Insurance Products (ULIPS) are those that have an investment component in addition to the death benefit. The rates of return on these life insurance products will vary, based on the type of insurance and the investment opportunities related to it. Whether you are considering a Whole Life, Universal Life, or Variable Life insurance plan, you should ask your insurance agent to illustrate how the interest rates are likely to change over the life of the policy, and how that will impact your rates of return, monthly premiums, death benefits, and cash value.