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- Variable_universal_life_insurance abstract "Variable universal life insurance (often shortened to VUL) is a type of life insurance that builds a cash value. In a VUL, the cash value can be invested in a wide variety of separate accounts, similar to mutual funds, and the choice of which of the available separate accounts to use is entirely up to the contract owner. The 'variable' component in the name refers to this ability to invest in separate accounts whose values vary—they vary because they are invested in stock and/or bond markets. The 'universal' component in the name refers to the flexibility the owner has in making premium payments. The premiums can vary from nothing in a given month up to maximums defined by the Internal Revenue Code for life insurance. This flexibility is in contrast to whole life insurance that has fixed premium payments that typically cannot be missed without lapsing the policy (although one may exercise an Automatic Premium Loan feature, or surrender dividends to pay a Whole Life premium).Variable universal life is a type of permanent life insurance, because the death benefit will be paid if the insured dies any time as long as there is sufficient cash value to pay the costs of insurance in the policy. With most if not all VULs, unlike whole life, there is no endowment age (the age at which the cash value equals the death benefit amount, which for whole life is typically 100). This is yet another key advantage of VUL over Whole Life. With a typical whole life policy, the death benefit is limited to the face amount specified in the policy, and at endowment age, the face amount is all that is paid out. Thus with either death or endowment, the insurance company keeps any cash value built up over the years. However, some participating whole life policies offer riders which specify that any dividends paid on the policy be used to purchase "paid up additions" to the policy which increase both the cash value and the death benefit over time.If investments made in the separate accounts out-perform the general account of the insurance company, a higher rate-of-return can occur than the fixed rates-of-return typical for whole life. The combination over the years of no endowment age, continually increasing death benefit, and if a high rate-of-return is earned in the separate accounts of a VUL policy, this could result in higher value to the owner or beneficiary than that of a whole life policy with the same amounts of money paid in as premiums.".
- Variable_universal_life_insurance wikiPageExternalLink ins-vul.html.
- Variable_universal_life_insurance wikiPageExternalLink index.htm?postversion=2007020517.
- Variable_universal_life_insurance wikiPageExternalLink www.clhia.ca.
- Variable_universal_life_insurance wikiPageExternalLink members.html.
- Variable_universal_life_insurance wikiPageExternalLink index.htm.
- Variable_universal_life_insurance wikiPageID "633515".
- Variable_universal_life_insurance wikiPageLength "18975".
- Variable_universal_life_insurance wikiPageOutDegree "26".
- Variable_universal_life_insurance wikiPageRevisionID "683521112".
- Variable_universal_life_insurance wikiPageWikiLink Broker-dealer.
- Variable_universal_life_insurance wikiPageWikiLink Canadian_securities_regulation.
- Variable_universal_life_insurance wikiPageWikiLink Category:Life_insurance.
- Variable_universal_life_insurance wikiPageWikiLink Endowment_policy.
- Variable_universal_life_insurance wikiPageWikiLink Expected_Family_Contribution.
- Variable_universal_life_insurance wikiPageWikiLink FIFO_and_LIFO_accounting.
- Variable_universal_life_insurance wikiPageWikiLink Financial_Industry_Regulatory_Authority.
- Variable_universal_life_insurance wikiPageWikiLink Income_tax.
- Variable_universal_life_insurance wikiPageWikiLink Internal_rate_of_return.
- Variable_universal_life_insurance wikiPageWikiLink Life_insurance.
- Variable_universal_life_insurance wikiPageWikiLink Life_insurance_trust.
- Variable_universal_life_insurance wikiPageWikiLink Modified_endowment_contract.
- Variable_universal_life_insurance wikiPageWikiLink Mutual_fund.
- Variable_universal_life_insurance wikiPageWikiLink Ordinary_income.
- Variable_universal_life_insurance wikiPageWikiLink Permanent_life_insurance.
- Variable_universal_life_insurance wikiPageWikiLink Qualifying_event.
- Variable_universal_life_insurance wikiPageWikiLink Securities.
- Variable_universal_life_insurance wikiPageWikiLink Security_(finance).
- Variable_universal_life_insurance wikiPageWikiLink Self-regulatory_organization.
- Variable_universal_life_insurance wikiPageWikiLink Self_Regulatory_Organization.
- Variable_universal_life_insurance wikiPageWikiLink Separate_account.
- Variable_universal_life_insurance wikiPageWikiLink Tax_bracket.
- Variable_universal_life_insurance wikiPageWikiLink Tax_deferral.
- Variable_universal_life_insurance wikiPageWikiLink Tax_shelter.
- Variable_universal_life_insurance wikiPageWikiLink Universal_life_insurance.
- Variable_universal_life_insurance wikiPageWikiLink Whole_life_insurance.
- Variable_universal_life_insurance wikiPageWikiLinkText "Variable or Variable Universal".
- Variable_universal_life_insurance wikiPageWikiLinkText "Variable universal life insurance".
- Variable_universal_life_insurance wikiPageWikiLinkText "Variable universal life".
- Variable_universal_life_insurance wikiPageWikiLinkText "variable insurance accounts".
- Variable_universal_life_insurance wikiPageWikiLinkText "variable insurance".
- Variable_universal_life_insurance wikiPageWikiLinkText "variable life insurance".
- Variable_universal_life_insurance wikiPageWikiLinkText "variable life".
- Variable_universal_life_insurance wikiPageWikiLinkText "variable universal life insurance".
- Variable_universal_life_insurance wikiPageWikiLinkText "variable universal life".
- Variable_universal_life_insurance hasPhotoCollection Variable_universal_life_insurance.
- Variable_universal_life_insurance wikiPageUsesTemplate Template:Citation_needed.
- Variable_universal_life_insurance wikiPageUsesTemplate Template:Globalize.
- Variable_universal_life_insurance wikiPageUsesTemplate Template:Insurance.
- Variable_universal_life_insurance wikiPageUsesTemplate Template:Reflist.
- Variable_universal_life_insurance wikiPageUsesTemplate Template:Unreferenced_section.
- Variable_universal_life_insurance subject Category:Life_insurance.
- Variable_universal_life_insurance hypernym Insurance.
- Variable_universal_life_insurance type Article.
- Variable_universal_life_insurance type Company.
- Variable_universal_life_insurance type Type.
- Variable_universal_life_insurance type Article.
- Variable_universal_life_insurance type Type.
- Variable_universal_life_insurance comment "Variable universal life insurance (often shortened to VUL) is a type of life insurance that builds a cash value. In a VUL, the cash value can be invested in a wide variety of separate accounts, similar to mutual funds, and the choice of which of the available separate accounts to use is entirely up to the contract owner. The 'variable' component in the name refers to this ability to invest in separate accounts whose values vary—they vary because they are invested in stock and/or bond markets.".
- Variable_universal_life_insurance label "Variable universal life insurance".
- Variable_universal_life_insurance sameAs m.02yx7z.
- Variable_universal_life_insurance sameAs Q7915743.
- Variable_universal_life_insurance sameAs Q7915743.
- Variable_universal_life_insurance wasDerivedFrom Variable_universal_life_insurance?oldid=683521112.
- Variable_universal_life_insurance isPrimaryTopicOf Variable_universal_life_insurance.