Variable Universal Life Insurance
Variable Universal Life (VUL) insurance might be described as the luxury-sized SUV equivalent of life insurance. Wondering if you might prefer the flexibility of a universal life policy but with the potential to accumulate cash value and more direct involvement in how to achieve it? Then consider variable universal life insurance (VUL):
Variable Universal Life insurance combines the protection and tax efficiencies of life insurance with the investment potential of a comprehensive selection of variable investment options. The insurance component provides the death benefit coverage and the variable component gives you the flexibility to potentially increase the policy's cash value. Variable insurance products are subject to market and investment risk, account growth cannot be guaranteed and it will change in value. In addition, there is a possible loss of the principle amount invested. Variable investment options are available only as investment options in variable universal life insurance policies issued by life insurance companies. They are NOT directly offered or made available to the public.
Call an ING Insurance Professional to help determine if Variable Universal Life Insurance makes sense for you and your family:
ING Life Companies' Variable Universal Life Product Details
The ING Life Companies offer the following variable universal life insurance products:
Browse our ING Variable Universal Life-CV Buyer's Guide to learn more about our variable universal life insurance:
ING Variable Universal Life - CV Buyer's Guide
Product Prospectus / Performance are also available for download:
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Before investing, carefully consider your need for life insurance coverage and the charges and expenses of the variable universal life insurance policy. Also consider the investment objectives, risks, fees, and charges of each underlying variable investment option. This and other information is contained in the prospectuses for the variable universal life insurance policy and the underlying variable investment options. Obtain these prospectuses from your registered representative, by calling 877-253-5050, or from www.ing-usa.com/ and read them carefully before investing.
Need help with an ING Life Companies' Life Insurance policy? Call 877-886-5050 for customer service.
Need assistance with an ING Life Companies' Life Insurance claim? Call 888-238-4840 for claims.
Life insurance products are issued by ReliaStar Life Insurance Company (Minneapolis, MN), ReliaStar Life Insurance Company of New York (Woodbury, NY) and Security Life of Denver Insurance Company (Denver, CO). Variable universal life insurance products are distributed by ING America Equities, Inc. Within the state of New York, only ReliaStar Life Insurance Company of New York is admitted and its products issued. All are members of the ING U.S. family of companies.
Variable insurance products are subject to investment risk, are not guaranteed and will fluctuate in value. In addition, there is no guarantee that any variable investment option will meet its stated objective.
All guarantees are based on the financial strength and claims paying ability of the issuing insurance company, who is solely responsible for all obligations under its policies.
Neither ING U.S., its affiliated companies or representatives offer legal or tax advice. Consult with your tax and legal advisors regarding your individual situation.CN68372099999