What is variable universal life (VUL)?
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Variable Universal Life (VUL) is a type of life insurance that combines the flexibility of universal life insurance with the investment options of variable life insurance. VUL policies allow policyholders to allocate their premiums to different investment options, such as stocks, bonds, and mutual funds, which can potentially grow the cash value of the policy. The cash value can be used to pay for the cost of insurance or be accessed through loans or withdrawals. VUL policies also offer a death benefit that can be adjusted based on the performance of the investments. This type of insurance is designed to provide both a death benefit and a potential source of investment growth.
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