For a 35-year-old male with a moderate risk tolerance, which product is best recommended?

For a 35-year-old male with a moderate risk tolerance, Variable Life Insurance is the most appropriate recommendation due to its balance of investment opportunities and insurance coverage. Variable life insurance products offer a flexible premium structure and the potential for cash value growth through various investment options. This aligns well with a moderate risk tolerance, as the policyholder can choose to allocate their cash value into different investment accounts, ranging from conservative to more aggressive options, depending on their comfort level.

Additionally, the investment component of Variable Life Insurance can potentially yield higher returns compared to traditional whole life policies, which are more conservative and have a guaranteed cash value growth. At age 35, an individual has a longer time horizon, which allows for greater potential growth through market investments, making Variable Life a fitting choice for someone looking to grow their savings while also providing a death benefit.

Participating Whole Life insurance offers more stable cash value growth but with less investment control and flexibility, while Endowment policies focus on providing a benefit after a certain period rather than on an ongoing investment strategy. Term insurance, while cost-effective, only provides pure death benefit protection without any cash value accumulation, which is not suitable for someone interested in both life insurance and savings/investment. Therefore, Variable Life insurance stands