Variable Universal Life Insurance
Invest your way to permanent protection
Variable Universal Life (VUL) allows you to invest your cash value in a variety of sub-accounts similar to mutual funds. This offers the highest growth potential but also comes with market risk.
VUL at a Glance
Key features and typical costs
Your actual rate depends on age, health, and coverage amount.
Why Choose Variable Universal Life?
Highest growth potential
Investment control and choices
Tax-deferred growth
Premium flexibility
Potential for significant cash value
What to Keep in Mind
Direct market risk to cash value
No guaranteed returns
Higher fees and expenses
Most complex policy type
Requires investment knowledge
Is VUL Right for You?
Variable universal life is ideal for sophisticated Nevada investors who want maximum control over their policy's growth potential.
Sophisticated investors
Those comfortable with market risk
High net worth individuals
People wanting control over investments
Long-term wealth building
How VUL Investment Works
Variable universal life gives you direct control over how your cash value is invested. Choose from a menu of sub-accounts similar to mutual funds, and your cash value grows (or declines) based on market performance.
Sub-Account Selection
Choose from equity funds, bond funds, balanced funds, and money market options based on your risk tolerance.
Premium Allocation
Decide what percentage of your premium goes to each sub-account. Rebalance anytime.
Tax-Deferred Growth
Investment gains grow tax-deferred within the policy, with no annual capital gains taxes.
Tax-Free Access
Access your gains through tax-free policy loans, avoiding the tax hit of traditional investment withdrawals.
VUL Sub-Account Example
Typical sub-account allocation options
Higher risk, higher potential return
Mix of stocks and bonds
Lower risk, steadier returns
Capital preservation option
Sub-account options and fees vary by carrier. Past performance does not guarantee future results.
VUL Insurance FAQs
Compare Permanent Coverage Options
VUL offers maximum growth potential, but other permanent policies may better match your risk tolerance.
Ready for Investment-Driven Life Insurance?
Get your personalized VUL insurance quote from a licensed Nevada agent. We'll help you understand sub-accounts and design a policy that maximizes your growth potential.
Get Your VUL Quote