When planning for your financial future, it's important to consider all your options, especially when it comes to life insurance. One flexible and dynamic solution is Variable Universal Life (VUL) insurance. This type of permanent life insurance offers a combination of life coverage and an investment component, making it an attractive option for those looking to build wealth while securing financial protection for their loved ones. If you're in Tempe , Phoenix , Scottsdale , Tucson , Gilbert , or Chandler , Riseson Insurance is here to help you understand the benefits of VUL and guide you in finding the right policy to meet your needs.

Variable Universal Life (VUL) insurance is a type of permanent life insurance that offers both a death benefit and the opportunity to accumulate cash value. What sets VUL apart from other life insurance policies is its flexibility and investment options. The cash value of your policy can be invested in a range of subaccounts, which may include stocks, bonds, or mutual funds. As the investments grow (or decline), the cash value of the policy fluctuates accordingly.

Key features of VUL insurance include:

Flexible Premiums : With VUL, you have the ability to adjust your premium payments and choose how much to contribute toward your policy’s cash value. This flexibility allows you to adapt your payments based on your financial situation. Investment Opportunities: The cash value in a VUL policy is invested in a selection of subaccounts. These subaccounts can range from equity funds to bond funds, giving you the potential to grow your policy’s value over time. Adjustable Death Benefit: VUL policies offer flexibility in adjusting the death benefit. You can increase or decrease the amount of coverage, depending on your needs. However, changes to the death benefit can affect the cost of premiums. Tax Advantages: Like other permanent life insurance policies, the cash value growth in a VUL policy is tax-deferred. This means you won’t have to pay taxes on the growth until you withdraw or borrow from the policy.

In a VUL policy, your premium payments go toward two main components:

Cost of Insurance : A portion of your premium goes toward paying for the life insurance coverage, which includes administrative fees, mortality charges, and other related expenses. Cash Value: The remainder of your premium payment is allocated to your policy’s cash value, which is invested in the subaccounts you choose. As the investments perform, the cash value can grow over time. However, if the investments underperform, the cash value could decrease.

Over time, you can access your cash value through loans or withdrawals, giving you additional flexibility in managing your finances. However, it’s important to keep in mind that loans and withdrawals will reduce the death benefit and the cash value of the policy.

VUL insurance offers several advantages that make it an attractive option for individuals seeking financial security and growth opportunities:

Flexibility: You can adjust the premiums and death benefit to meet changing life circumstances, making VUL ideal for people who want a life insurance policy that can grow with them. Potential for Cash Value Growth: The investment component of VUL offers the potential for higher returns than traditional whole life insurance policies. However, this also comes with the risk of investment loss. Loan and Withdrawal Options: You have the option to borrow against or withdraw from the cash value of the policy to meet unexpected expenses, such as medical bills or home repairs. Permanent Coverage: As a form of permanent life insurance, VUL provides coverage for your entire lifetime, as long as the premiums are paid and the policy’s cash value is sufficient to cover the cost of insurance.

Don’t wait to secure your financial future. Reach out to Riseson Insurance today to get a personalized quote for Variable Universal Life insurance. We proudly serve clients in Tempe, Phoenix, Scottsdale, Tucson, Gilbert, and Chandler, offering tailored insurance solutions that meet your unique needs.

Contact Riseson Insurance at 602-460-5470 to learn more about VUL insurance and how it can benefit your financial future.

What is Variable Universal Life (VUL) Insurance?

How Does Variable Universal Life Insurance Work?

The Benefits of Variable Universal Life Insurance

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• Flexible Premiums : With VUL, you have the ability to adjust your premium payments and choose how much to contribute toward your policy’s cash value. This flexibility allows you to adapt your payments based on your financial situation.
• Investment Opportunities: The cash value in a VUL policy is invested in a selection of subaccounts. These subaccounts can range from equity funds to bond funds, giving you the potential to grow your policy’s value over time.
• Adjustable Death Benefit: VUL policies offer flexibility in adjusting the death benefit. You can increase or decrease the amount of coverage, depending on your needs. However, changes to the death benefit can affect the cost of premiums.
• Tax Advantages: Like other permanent life insurance policies, the cash value growth in a VUL policy is tax-deferred. This means you won’t have to pay taxes on the growth until you withdraw or borrow from the policy.

1. Cost of Insurance : A portion of your premium goes toward paying for the life insurance coverage, which includes administrative fees, mortality charges, and other related expenses.
2. Cash Value: The remainder of your premium payment is allocated to your policy’s cash value, which is invested in the subaccounts you choose. As the investments perform, the cash value can grow over time. However, if the investments underperform, the cash value could decrease.

• Flexibility: You can adjust the premiums and death benefit to meet changing life circumstances, making VUL ideal for people who want a life insurance policy that can grow with them.
• Potential for Cash Value Growth: The investment component of VUL offers the potential for higher returns than traditional whole life insurance policies. However, this also comes with the risk of investment loss.
• Loan and Withdrawal Options: You have the option to borrow against or withdraw from the cash value of the policy to meet unexpected expenses, such as medical bills or home repairs.
• Permanent Coverage: As a form of permanent life insurance, VUL provides coverage for your entire lifetime, as long as the premiums are paid and the policy’s cash value is sufficient to cover the cost of insurance.