Variable universal life insurance allows your clients the flexibility to balance death benefit protection while still building cash value.

Just like a traditional life insurance policy, a VUL offers death benefit protections for families. But Variable Universal Life Insurance goes a step beyond and allows cash value accumulation and the flexibility to provide living benefits.

Flexibility.

In addition to having the ability to access cash value in the policy, a VUL also allows for flexible premium payments that can be adjusted as the client's goals change.

Growth.

VULs have the potential to accumulate cash value in addition to offering a variety of investment options. These can include bond funds, equity funds, or even fixed-rate options.

Protection.

VULs offer permanent life insurance protection and many offer no-lapse guarantees that help protect the policy against lapse. Optional riders provide protection in the event of a critical or chronic illness.