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.
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.
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.