Variable Universal Life Insurance
Life insurance that's as flexible as you are. Imagine that.
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Key Benefits
Flexible
It’s your policy - that means you can access your policy’s cash value.*
Protective
Get lifelong coverage with the option to protect you and your loved ones in a variety of scenarios.
Tax-Efficient Growth
Have the potential to grow tax-efficient wealth by investing your premiums into assets you choose.
VUL Policy Example
total premiums
$0
Over 40 number of years
VUL Account
$0
8.17% IRR for 40 years
S&P 500 TAXABLE ACCOUNT*
$0
6.32% IRR for 40 years
DEATH BENEFIT
A death benefit will be associated with the policy based on an individual's age and health.
**Tables and charts are for illustrative purposes only and are not based on any specific policy example. Please reference your specific policy for additional details. All guarantees and contractual obligations are based solely on the claims-paying ability of the issuing life insurance company.
High-Performance Funds
Low volatility
Average volatility
High volatility
example fund: low volatility
Vanguard® VIF Conservative Allocation
Over 10 number of years
top holdings
- 41.98% Vanguard VIF Total Bond Mkt Idx
- 20.56% Vanguard VIF Equity Index
- 18.04% Vanguard Total Intl Bd Idx Admiral™
* Top holdings accurate as of April 30, 2023
Overall Morningstar Rating
★★★★
Volatility Assessment
Low
Annualized Return Since Inception
5.40%
Gross Operating Expense
0.13%
Tax-efficient growth & lifelong protection
We offer VUL policies that allow you to grow your premiums in funds such as S&P 500, REITs, global funds, and many others. You can access your cash value and tax-deferred growth as long as your policy is in-force and your death benefit will pass to your loved ones upon your passing.
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