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 greater cash value and more direct involvement in how to achieve it? Then consider variable universal life insurance (VUL):
With VUL you get the death benefit protection, flexibility and cash value opportunity of traditional universal life, but with more control over how your premium dollars are invested and the potential to build significant cash value. Keep in mind that investments in VUL policies are also subject to significant losses including principal invested. You can choose from a variety of variable investment options to help make your choices easier. VUL also offers the opportunity to protect against downside market risk by choosing to allocate a portion of your assets to a guaranteed variable investment option.
The ING Life Companies offer the following variable universal life insurance product:
Browse our ING Variable Universal Life-CV Buyer's Guide to learn more about our variable universal life insurance.
These are also available for your viewing:
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 family of companies.
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.
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, its affiliated companies or representatives offer legal or tax advice. Consult with your tax and legal advisors regarding your individual situation.
