Variable Universal life insurance
What Is Variable Universal Life (VUL) Insurance?
Variable universal life (VUL) is a type of permanent life insurance policy with a built-in savings component that allows the cash value to be invested. Like standard universal life insurance, the premium is flexible. VUL insurance policies typically have both a maximum cap and a minimum floor on the investment return associated with the savings component. VUL insurance has variable subaccounts that allow the cash value to be invested. The function of subaccounts is similar to that of a mutual fund.
Exposure to market fluctuations can generate significant returns, but may also result in substantial losses. This insurance gets its name from the varying results of investment in the ever-fluctuating market. While VUL insurance offers greater flexibility and growth potential than a traditional cash value or whole life policy, policyholders should carefully assess the risks before purchasing it.
Decision Tree Insurance does not offer Variable Universal Life Insurance, but as part of the financial planning process, will recommend it when it is the best solution to help you achieve your financial goals.
Variable Universal Life Insurance is Available Commission Free
As both an insurance and an investment product, Decision Tree Insurance’s affiliate, Stormathrive Wealth Management, offers variable universal life insurance within an individually managed account.
There are no up-front commissions, meaning your policy’s investment will grow more efficiently during the first decade of ownership, while still providing the death benefit protection afforded by life insurance.
Contact us to find out more about our managed portfolio solutions.
