Variable Universal Life Insurance

What is Variable Universal Life Insurance?

Variable Universal Life (VUL) insurance is a type of permanent life insurance that combines universal life's flexibility with mutual fund-like investment options. Policyholders can make changes to premiums and death benefits while investing in sub-accounts linked to stocks and bonds. However, the cash value and death benefit vary according to the performance of these investments, introducing risk. VUL is appropriate for those looking for flexibility and investment opportunities in their life insurance policy, but it must be carefully considered in terms of investment objectives and risk tolerance.​

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