PHL Variable Insurance Company (PHL Variable) is an insurance company based in Hartford, Connecticut. Established in 1981, PHL Variable provides life insurance and annuity products to affluent and middle-market consumers in the United States. The company operates as a subsidiary of The Phoenix Companies. The company's annuity products include fixed indexed annuities, fixed annuities, single premium immediate annuities, and variable annuities. The company's life insurance products include whole life, universal life, indexed universal life variable universal life, and term. The assets are managed by the executive management team.