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Securian Financial

Variable universal life insurance products

Variable universal life insurance policies offer subaccount choices that allow clients to invest directly in the market – providing unlimited growth potential with added investment risk.

Accumulator VUL

An accumulation-focused variable universal life product that offers death benefit protection along with more than 40 subaccount choices – including six managed volatility portfolios – that allow clients to invest directly in the market and provide unlimited growth potential along with investment risk.

VUL Defender®

A protection-focused variable universal life product that was designed to provide one of the most competitive lifetime guaranteed death benefits in the market today. VUL Defender offers the Death Benefit Guarantee Flex Agreement (DBGA Flex) which may potentially lower the cost and lengthen the guarantee of the policy.

 

You should consider the investment objectives, risks, charges and expenses of a portfolio and the variable insurance product carefully before investing. The portfolio and variable insurance product prospectuses contain this and other information. You may obtain a copy of the prospectus from your representative. Please read the prospectuses carefully before investing.

Variable life insurance products contain fees, such as management fees, fund expenses, distribution fees and mortality and expense charges (which may increase over time). The variable investment options are subject to market risk, including loss of principal.

Additional agreements may be available. Agreements may be subject to additional costs and restrictions. Agreements may not be available in all states or may exist under a different name in various states and may not be available in combination with other agreements.

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Please keep in mind that the primary reason to purchase a life insurance product is the death benefit.

Life insurance products contain fees, such as mortality and expense charges (which may increase over time), and may contain restrictions such as surrender charges.

Policy loans and withdrawals may create an adverse tax result in the event of lapse or policy surrender, and will reduce both the surrender value and death benefit. Clients should consult their tax advisor when considering taking a policy loan.

This information is a general discussion of the relevant federal tax laws provided to promote ideas that may benefit a taxpayer. It is not intended for, nor can it be used by any taxpayer for the purpose of avoiding federal tax penalties. Taxpayers should seek the advice of their own advisors regarding any tax and legal issues specific to their situation.

Insurance policy guarantees are subject to the claims-paying ability of the issuing life insurance company.

These materials are for informational and educational purposes only and are not designed, or intended, to be applicable to any person's individual circumstances. It should not be considered investment advice, nor does it constitute a recommendation that anyone engage in (or refrain from) a particular course of action. Securian Financial Group, and its affiliates, have a financial interest in the sale of their products.

Not a deposit - Not FDIC/NCUA insured - Not insured by any federal government agency - Not guaranteed by any bank or credit union - May go down in value

DOFU 3-2017
110895