Which of the following is true about a regular premium variable whole life plan?

A regular premium variable whole life plan typically offers flexibility in accessing the cash value it accumulates over time. One of the significant features of such plans is the ability to make withdrawals after a few years. This option allows policyholders to access the funds they have accumulated within the policy, making it an attractive feature for those who might need liquidity while still maintaining life insurance coverage.

In addition to this flexibility, variable life insurance policies also allow for investments in various sub-accounts, which can reflect stock and bond market performances, introducing an element of potential growth in value as well. This contrasts with fixed life insurance products that may offer lower growth and less flexibility. Hence, the ability to make withdrawals aligns with the overall theme of a variable life policy that emphasizes both life insurance protection and cash value growth.

As a reminder, although withdrawals can be beneficial, it's important to note that they can reduce the death benefit and cash value if not managed carefully. This feature contributes to the policy’s appeal for individuals seeking a combination of insurance and investment opportunities.