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Death Benefit Protection with the Option to Invest Net Premiums

Variable Universal Life Insurance

What is variable universal life insurance?

Variable universal life insurance is a type of permanent life insurance that provides coverage for life. Like other types of universal life insurance, it has a death benefit, which is paid to your beneficiaries, as well as a cash value component. Unlike other types of universal life insurance, with variable universal life insurance, you can invest the cash value portion of your policy into professionally managed accounts that are invested in stock and bond markets, providing growth potential.1

When your cash value is sufficient, it may be accessed through withdrawals and loans to help with many needs such as college expenses - supplementing retirement income, or health emergencies.2 Depending on your policy value, you may also adjust the timing and the amount of your premium payments.3 This flexibility can be a valuable benefit when you need it.

Life can get expensive. Put your hard-earned money to work by choosing investment options that align with your financial goals and risk tolerance, such as growth or preservation of capital.

What are the benefits of variable universal life insurance?

Variable universal life insurance is a form of permanent life insurance that provides death benefit protection. In addition to the death benefit, there is also a cash value portion of the policy, which can be invested into investment options. 

This exposure to underlying investments, such as stocks and bonds, offers the opportunity for cash value accumulation over time. Keep in mind that the policy owner bears the the investment risk for the investment options, including the possible loss of principal.

Similar to universal life, variable universal life insurance allows the policyholder to adjust premium payments or death benefit as needed in order to meet their changing circumstances. There are fees and charges associated with variable universal life insurance that are not applicable to other types of policies.

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