Variable Universal Life Insurance

Variable Universal Life Insurance (VUL) is permanent coverage that allows clients to allocate policy values among a broad range of investment subaccounts. Performance is market-driven, giving clients the ability to pursue long-term growth while accepting market risk. This makes VUL both a protection tool and a flexible component of a client’s overall financial strategy.

• High-net-worth individuals integrating protection with investment planning
• Clients seeking tax-advantaged accumulation to supplement retirement income
• Business owners and executives funding succession or executive benefit strategies
• Investors comfortable with market risk who want control over how policy cash value is managed

Advisors and wealth managers often use VUL to:

• Provide permanent coverage that complements a client’s financial plan
• Leverage market-based growth potential within a tax-advantaged structure
• Supplement retirement strategies with tax-deferred accumulation and tax-advantaged access
• Address wealth transfer needs with protection and flexible accumulation options

Important Note: VUL policies involve investment risk, including the potential for loss of principal. Performance depends on market conditions and the subaccounts chosen.

• “Would you like your insurance strategy to also reflect your investment philosophy?”
• “How important is tax-advantaged accumulation to your long-term retirement or legacy goals?”
• “Are you comfortable using market-driven strategies inside an insurance structure for additional growth potential?”