Ameritas Advisor VULsm
Protection with Investment Potential
Variable universal life insurance enables you to help your client protect what's most important and can be an integral part of your client's long term financial future. It provides a death benefit to financially protect their beneficiaries from an unexpected death. Your client can feel more secure knowing that their family, business associates or other beneficiaries will receive the money they need - just when they need it most.
With variable universal life, you can help your clients merge two financial worlds in one. By dedicating a portion of each premium payment to tax-deferred investment opportunities, you can help them protect their loved ones with permanent insurance while investing for long-term goals like retirement or college tuition. While part of each premium pays for life insurance coverage, a portion can grow tax-deferred in your choice of investment options advised by well-known mutual fund companies. This policy is designed to protect loved ones by addressing two important needs: lifelong insurance protection and funding long-term financial goals.
Because there is an investment component to variable universal life insurance, you should read the prospectus before investing or sending any money. The prospectus provides detailed information about the product's investment objectives, exclusions, limitations, risks, and charges.
The Ameritas Advisor VUL Insurance Difference
- Low Expense - Because this Ameritas Advisor VUL has been designed specifically for the fee-based and fee-only advisor in mind, we are able to keep expenses lower than the average VUL which means more of each dollar goes to work immediately from day one. Of course all insurance policies have fees.
- No Surrender Charge - There is no penalty for canceling the policy at any time (any gains are taxed as ordinary income)
- Trusted Investment Fund Managers - Vanguard® VIF, Fidelity® VIP, Calvert Variable Series, T.Rowe Price, PIMCO and many more.
- Broad Range of Investment Options - Covering a full spectrum of asset classes. (Investment options carry their own costs.)
Tax-Free Access to Cash
In addition to providing death benefit protection, Ameritas Advisor VUL can be a tax efficient way to save for your financial goals. And unlike some investments, there are no age restrictions on accessing the policy's assets or limitations on how the funds are spent. The account value can be used for :
- Supplemental Retirement Income
- College Funding
- Business needs including buy-sell agreements, key person insurance and deferred compensation.
Both loans and withdrawals will reduce the policy's account value and death benefit and excessive loans or withdrawals may cause the policy to lapse.
Contact us today to learn more about the Ameritas Advisor VUL Difference!
The Ameritas Advisor VUL insurance policy (Form 4051) is issued by Ameritas Life Insurance Corp. and underwritten by affiliate Ameritas Investment Corp. Variable products have investment risk, including the possible loss of principal. Before investing, carefully consider the investment objectives, risks, charges, expenses and other important information about the policy issuer and underlying investment options. This information can be found in the policy and investment option prospectuses, which are available on this web site. Please read the prospectus carefully before investing or sending any money. It is possible that coverage may lapse if policy costs reach maximum guaranteed levels, and premiums continue to be paid at the initial planned premium level.
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