Competitive Variable Life Insurance for Your Clients
Permanent life insurance with investment flexibility
Variable universal life insurance combines permanent life insurance protection with investment flexibility. Clients can allocate policy value among professionally managed investment options, creating opportunities for long-term cash value growth while accepting market risk.
When you’re deciding where to place your business, you need products that can adapt to different client goals, along with support that helps you move from case design through ongoing service.
Ameritas brings those elements together to help you grow your variable universal life business.
Learn more about what it’s like working with Ameritas.
Policy features that shape the conversation
The way a variable universal life policy is designed can influence how it fits into a client’s broader financial strategy.
Fee-based design
Ameritas Advisor ClearEdge VUL is designed for clients who value a fee-based planning relationship.
Broad investment selection
Clients can allocate policy value among a range of investment options from well-known asset managers, allowing them to align investment choices with their goals and risk tolerance.
No sales load structure
Ameritas Advisor ClearEdge VUL is designed with low fees and no sales load, helping more client assets remain invested.
Immediate liquidity
Unlike policies with surrender charge schedules, Advisor ClearEdge VUL provides immediate liquidity. Clients can access available policy value through withdrawals without surrender charge penalties.
Paid-up endorsement
Helps protect against policy lapse resulting from large outstanding policy loans, which may be important for clients accessing policy value over time.
Waiver of Monthly Deduction rider
Can help maintain coverage by waiving monthly deductions if the insured becomes disabled, subject to rider provisions.
Learn more about Ameritas Advisor ClearEdge Variable Universal Life Insurance.
How variable universal life insurance can fit client needs
Variable universal life insurance can support financial strategies that combine life insurance protection with long-term investment potential. For clients comfortable with market risk, it may play a role in accumulation, wealth transfer and business planning conversations.
- Permanent Protection
- Cash Value Growth Potential
- Legacy and Estate Planning
- Business Planning
Help protect loved ones while pursuing long-term financial goals
Variable universal life insurance provides permanent coverage while offering opportunities to build policy value through investment performance. The death benefit can help provide financial support to beneficiaries in the event of a premature death.
Put more assets to work over the long term
Clients can invest policy value in a range of professionally managed investment options. Cash value growth is based on investment performance, offering greater growth potential but also market risk. As policy value accumulates, it may be accessed through loans or withdrawals to help support future financial goals.*
Support wealth transfer goals
Variable universal life insurance can help clients create a financial legacy for beneficiaries while offering opportunities to build policy value over time. The death benefit can play a role in broader estate and wealth transfer strategies.
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Address business needs
Variable universal life insurance can support a variety of business planning strategies, including buy-sell arrangements, key person protection and succession planning objectives. It may also be used in certain executive benefit strategies.
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Does this sound like what you’re looking for?
Contact us to learn how variable universal life can fit into your client conversations. We can also help you explore next steps for your business.
Give us a call today at 800-255-9678 or complete our online form.
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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.
Ameritas ClearEdge VUL (form 4201 and ICC22 4201) is 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.