Variable Indexed Universal Life (VIUL)

VIUL combines the structure of variable life insurance with index - based investment options , offering clients a defined approach to market participation within a life insurance framework.

Key Characteristics

• Permanent insurance
• Index-linked subaccounts
• Market risk applies
• Caps, spreads, or participation rates may apply
• Long-term funding discipline required

Use Cases

• Long-term wealth strategy
• Retirement coordination
• Estate liquidity
• High-income planning