Variable Universal Life Insurance

Variable universal life insurance is permanent life insurance that provides the protection you need while offering you the opportunity to invest in the market. Plus it offers flexibility and control by allowing you to customize your policy based on your unique needs.

The cash value of a variable life insurance policy is not guaranteed and you bear that risk. However, by choosing among the available investment options, you can allocate assets to fit your individual investing style, reflecting your personal risk tolerance.

Some of the key benefits of variable universal life include:

  • Income tax-free death benefit
  • Lifetime protection
  • Opportunities to participate in the equities market
  • Tax-deferred growth
  • Flexible death benefit and premium amounts
  • Income tax-free access to your cash value (when properly structured)

Remember, accessing policy cash value through loans and surrenders may cause a permanent reduction of policy cash values and death benefit. All guarantees are based on the continued claims paying ability of the issuing company and do not apply to the performance of the variable subaccounts, which will vary with market conditions.

Please select from our complete list of variable life insurance products below.

To see information for a different variable life insurance product, please select from the list below. For New York, please select your state. For all others, please select National, then the product name.