Offering Variable Universal Life
Variable universal life insurance can meet your client’s need for life insurance while providing them with the opportunity to build cash value by investing a part of each premium in the investment options you and your clients choose from well-known firms.
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A closer look at each product
Ameritas Advisor ClearEdge VUL
Good for clients of fee-based advisors looking for the vital security of life insurance combined with the potential of long-term investing. Low fees and 100% liquidity lead to more flexibility and control.
How is it different?
- Offers no sales load and lower cost than traditional insurance.
- Choices for a variety of investment styles with more than 70 investment options including funds from Vanguard, Dimensional Fund Advisors, American Funds and more.
- Immediate liquidity available and preferred loans provide low-cost access to policy value.*
- Paid-up endorsement protects against the policy lapsing due to large, outstanding policy loans.
- Waiver of Monthly Deduction waives the monthly deduction for the policy if insured is disabled.
Ameritas Performance II VUL
Good for moderate to aggressive investors who have death benefit needs but are also seeking opportunities in a broad array of investment options.
How is it different?
- Provides no-lapse guarantee in the first 10 years if premium requirements are met.
- Choices for a variety of investment styles and interests including index funds and socially responsible funds.
- Access available with preferred loans provide low-cost access to policy value.*
- Paid-up endorsement protects against the policy lapsing due to large, outstanding policy loans.
The performance of the investment options available in variable universal life insurance is a critical element of the product. See investment option performance and prospectus information related to each Ameritas variable universal life insurance policy. Clients should always read the prospectus before investing in variable universal life insurance to make sure they understand the risks and charges involved.
Related sales ideas
Start with the basics
Read about overcoming client objections to buying life insurance.
Explain the differences between individual and group coverage Help clients determine if their employer coverage meets all their needs.
Position Life as an asset
Learn how life insurance can help round out a client’s portfolio.
Add flexibility to a financial strategy with living benefits
Educate your clients about living benefits.
Learn more about sales ideas and order materials on Producer Workbench.
Share information about life insurance
Check out these Ameritas Insights blog articles about life insurance that you can share with your clients. Simply select a share button at the end of the article.
How to Pay for a Serious Illness in Retirement
April 22, 2024
|
10 min read
Understanding Whole Life Insurance with Dividends
January 19, 2024
| 4 min read
How to Read Your Life Insurance Policy
January 11, 2024
| 5 min read
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Call the Ameritas sales support team at 800‑319‑6903 for illustration and product support.
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* Withdrawals and loans will reduce available death benefit and policy value. Withdrawals beyond basis may be taxable income. Excessive and unpaid loans will reduce death benefits and policy value and may cause the policy to lapse. If a policy lapses, unpaid loans are treated as distributions for tax purposes.
Guarantees are based upon the claims-paying ability of Ameritas Life Insurance Corp. and do not apply to the investment performance or account value of the underlying variable portfolios.
Neither Ameritas Life Insurance Corp. nor its representatives provide tax or legal advice. Please consult your attorney or other tax professional for more information.
Ameritas Performance II VUL (form 4004) and Ameritas ClearEdge VUL (form 4201 and ICC22 4201) are issued by Ameritas Life Insurance Corp. and underwritten by affiliate, Ameritas Investment Company, LLC. Policy and riders may vary and may not be available in all states. Optional features and riders may have limitations, restrictions and additional charges.
Variable products are subject to investment risk, including 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. Read the prospectuses carefully before investing.