Sentences with phrase «variable ul»

Different types of life insurance offered by Protective Life Insurance Company include Term Life, Whole Life, Permanent Life, Child Life, Universal Life, Custom Choice Universal Life, Variable UL, Survivorship UL and Indexed UL.

offered by Protective Life Insurance Company include Term Life, Whole Life, Permanent Life, Child Life, Universal Life, Custom Choice Universal Life, Variable UL, Survivorship UL and Indexed UL.

Life Insurance Products: Term Life (With Protective it's called Custom Choice Universal Life - UL), Universal Life, Variable UL, Survivor UL.

Many factors affect the performance and well - being of a Variable Life or Variable UL policy.

Whether the return of cash value is guaranteed, as in a whole life or guaranteed UL policy OR whether based upon the financial markets, as in IUL and Variable UL policies, the idea behind permanent insurance is to accrue a nest egg of usable cash value within a life insurance policy.

Universal life insurance comes in three flavors: Guaranteed UL, Indexed UL, and Variable UL.

With variable UL, there is also a death benefit and a cash value component.

Protective offers several Variable UL products.

The difference in a Variable UL is the «variable» part.

While Variable Universal Life is one of Protective's offerings, Huntley Wealth is not securities licensed and does not offer variable UL products.

Protective offers several Variable UL products.

You'll get a legally entitled prospectus from an insurance company before you purchase either a Variable Life or Variable UL policy.

Whether the return of cash value is guaranteed, as in a whole life or guaranteed UL policy OR whether based upon the financial markets, as in IUL and Variable UL policies, the idea behind permanent insurance is to accrue a nest egg of usable cash value within a life insurance policy.

Variable UL policies are similar to regular universal life insurance with one primary exception, VUL policies allow direct investment options through sub-accounts similar to mutual funds.

Not exact matches

Universal life insurance (UL) comes in a lot of different flavors, from fixed - rate models to variable ones, where you select various equity accounts to invest in.

Equity - Indexed Universal Life Equity - Indexed Universal Life (EIUL) is a newer form of UL insurance that is extremely complex and combines elements of variable life (which you'll read about next) into the mix.

UL policies include Guaranteed Universal Life (GUL), Indexed Universal Life (IUL) and Variable Universal Life (VUL).

The same goes for using life insurance as an investment (AKA cash value life insurance, whole life insurance, Universal Life, or just UL, or Variable Universal Life or VUL).

By moving to an indexed ul policy, we eliminated all of the market risk that we were originally faced with in the variable life policy.

«WL (whole life), UL (universal life) and VL (variable life) are on the top 10 list of investments that I hate.

Like a UL and IUL, a Variable Universal Life (VUL) policy gives you the ability to adjust your premiums and death benefit.

It's similar to UL insurance, but instead of earning a specific crediting rate on the cash - value component, VUL allows you to put some or even all of the cash - value you may have in your policy, into a «variable account» comprised of investment funds.

It is the cash component that makes IULs differ from VULs (Variable Universal life) and ULs (Universal life).

At Huntley Wealth, we're not big fans of using life insurance policies as investment vehicles, so we don't get wrapped up in comparing universal life to your 401K or IRA, or talk about variable universal life or equity indexed UL either.

Since UL insurance can be purchased in many different forms, such as a fixed - rate, indexed, or variable universal life insurance, these features can change slightly.

A variable universal life insurance policy brings even more benefits to clients than a UL Flex, but investors should truly think about what they want out of their policy.

UL policies include Guaranteed Universal Life (GUL), Indexed Universal Life (IUL) and Variable Universal Life (VUL).

Equity - Indexed Universal Life Equity - Indexed Universal Life (EIUL) is a newer form of UL insurance that is extremely complex and combines elements of variable life (which you'll read about next) into the mix.

But here's the crucial difference: whereas the premiums paid into most standard UL polices earn interest within a life insurance company's General Account, as it's known, Variable Life policies earn interest on a portfolio of investments that you as the policy owner choose from a selection offered by the company (key: check the selections).

Universal life insurance (UL) comes in a lot of different flavors, from fixed - rate models to variable ones, where you select various equity accounts to invest in.

UL policies are offered in three main categories: guaranteed, indexed and variable.

There are also IRAs such as Traditional, Roth and SEP IRAs for retirement planning; mutual funds; after - tax annuities including flexible premium deferred variable annuity and single premium immediate annuities; and life insurance consisting of level term, annual renewable term, universal life (UL), variable universal life (VUL), and survivorship UL & VUL policies.

IUL policies are more volatile than fixed ULs, but less risky than variable universal life policies because no money is actually invested in equity positions.

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Keep in mind that this problem with their investment strategy doesn't impact guaranteed policies, but it can be slam dunk detrimental to variable universal life and UL's that rely on assumptions and not on guarantees.

What differentiates an Indexed UL policy from other types of permanent life insurance used for cash accumulation is that the growth of the policy's cash value is based on the performance of an equity index (usually the S&P 500), excluding dividends, collared by a cap and a floor — rather than based on a flat crediting rate that is established by the insurance carrier and adjusted from time to time (a product referred to as «current assumption universal life»), based on a flat dividend rate that is established by the insurance carrier and adjusted from time to time (a product referred to as «whole life»), or based on the actual investment returns of specific equity investments (a product referred to as «variable universal life»).

As illustrated in the above flowchart, projections of Indexed UL policy performance are based on the forecasting of two variables: annual policy charges; and the collared return on the index.