Variable Universal Life Insurance | Variable Universal Life Insurance

What is VUL insurance?

A life insurance policy that combines death benefit protection with investment opportunities.

Yes, VUL offers flexibility—you can increase, decrease, or skip payments (within policy limits).

Includes cost of insurance, admin fees, fund management fees, and surrender charges.

It can be part of a strategy, offering tax-deferred growth and tax-free withdrawals/loans (if managed well).

The policy may lapse unless there’s enough cash value to cover costs.