Variable Universal Life

Variable universal life offers strong growth potential and lifetime protection

Variable universal life insurance (VUL) can offer your clients two important benefits to secure what matters most: guaranteed lifetime coverage, plus powerful cash value growth potential to fund a future goal.

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Why offer variable universal life insurance?

Your clients who want strong accumulation potential along with guaranteed protection will enjoy these benefits:

Coverage that lasts a lifetime

Guaranteed death benefit coverage can protect their loved ones for the long term.

Flexible premium options

Premium choices are offered for a variety of protection scenarios.

Maximum cash value growth potential

Growth potential is driven by performance of select funds. Cash value can be used during their lifetime or as a legacy strategy.

Extras for additional flexibility

Optional and built-in features give them more choices to protect their goals now and down the road.

See how a VUL works

Here’s a helpful guide to how a variable universal life insurance policy can grow and protect your client’s money.

A graphic explaining how a variable universal life insurance policy works.

A husband and wife dancing and smiling, knowing they are protected with variable universal life insurance.

Consider variable universal life insurance for a client who has:

Long-term death benefit protection needs
A higher risk tolerance and wants maximum accumulation potential
Maxed out other vehicles and wants another tax-deferred growth option
A willingness to pay flexible premiums in more complex case designs
A desire for extras like chronic illness coverage

Recommend our VUL when your clients want strong accumulation

When your clients are looking for death benefit protection plus powerful cash value growth potential to fund a future goal, you can help them secure both with Protective® Strategic Objectives II VUL.

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