Can I pay extra into the policy?

by crispin0 | Jul 21, 2025 | FAQ, Insurance, Life Insurance, VUL Insurance

Yes, you can make additional payments to boost your investment component (up to IRS limits).

What are the fees in a VUL policy?

by crispin0 | Jul 19, 2025 | FAQ, Insurance, Life Insurance, VUL Insurance

Includes cost of insurance, admin fees, fund management fees, and surrender charges.

Is the death benefit taxable?

by crispin0 | Jul 12, 2025 | FAQ, Insurance, Life Insurance, VUL Insurance

Usually not—death benefits are generally income tax-free to beneficiaries.

What’s the biggest risk with VUL?

by crispin0 | Jul 7, 2025 | FAQ, Insurance, Life Insurance, VUL Insurance

Market volatility reducing cash value and causing policy lapse.

Who should consider VUL insurance?

by crispin0 | Jul 6, 2025 | FAQ, Insurance, Life Insurance, VUL Insurance

People needing lifelong coverage with higher risk tolerance and long-term investment goals.

Can I access the cash value?

by crispin0 | Jul 5, 2025 | FAQ, Insurance, Life Insurance, VUL Insurance

Yes—via loans, withdrawals, or surrendering the policy.