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Contributed by mm | September 20, 2006 2:28 AM PST
Variable universal life is a form of life insurance, specifically it's a type of cash-value insurance policy. (The other types of cash value life insurance are whole, universal, and variable life.) Like any life insurance policy, there is a payout in case of death (also called the death benefit). Like whole-life insurance, the insurance policy has a cash value that enjoys tax-deferred growth over time, and allows you to borrow against it. Unlike either term or traditional whole-life insurance, VUL policies allow the insured to choose how the premiums are invested, usually from a universe of 10-25 funds. This means that the policy's cash value as well as the death benefit can fluctuate with the performance of the investments that the policy holder chose.
Source: Invest FAQ
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How Long Do You Need Life Insurance Coverage? (October 6, 2006)
To me, the moment your asset will ensure a comfortable retirement, the moment you no longer need life insurance any more. Therefore, usually you only need life insurance for no more than 25-30 years.
What Is Universal Variable Life (UVL) Insurance? (September 20, 2006)
Universal variable life is also called flexible premium variable life. This policy mixes the flexible features of universal life and the investment options of variable life. As with universal life, you can raise or lower your premiums in a single policy. As with variable life ...
What Is Variable Life Insurance? (September 20, 2006)
Variable life is one kind of permanent insurance that lets you target your premium to one or more separate investment funds. These could be fixed income investments, or stocks, bonds, or a money market fund. Depending on company policy, you can switch your investments two ...
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