Variable Universal Life (VUL)

Adapt and prosper with VUL

Variable universal life insurance is a combination of ULI and PPLI. It has a portfolio of investments at its core and an additional death benefit has been put on top to ensure that the defined amount is paid out independently of the development of the investment portfolio.

Investment-linked insurance policy with an additional death coverage on top
Combination of death coverage of a universal life insurance (ULI) and the investment flexibility of a private placement life insurance (PPLI)
The potential payout in the event of death may be assured through the supllemental death coverage, which covers the difference between the value of the underlying portfolio and the defined death benefit
Underlying portfolio of assets held with a custodian bank selected by the policyholder

Key benefits

Combination of the benefits of a private placement life insurance (PPLI) with the additional death benefit of a universal life insurance (ULI) policy
Wide range of investment options
Diversification from market risk
Liquidity to pay off taxes or liabilities
Option to surrender at any time
Helping families/co-owner keep control of their business

Possible 1% US Excise Tax on Outbound USD Transfers: What to Know Before It Takes Effect

Overview of the proposed tax A provision in the “One Big Beautiful Bill Act” (OBBBA), informally known as the Big Beautiful Bill, has sparked discussions among financial institutions and cross-border ...

Invest in Commodities: Agriculture

Investing in the commodity that grows on trees Are you looking for a new investment opportunity but don’t know where to begin? Try a commodity! A commodity is a basic good that is a raw material or ag...

Know Your Impact Investment Vocabulary

At Alpen Partners International, we are dedicated to helping our clients find the best kind of investment for their particular need. With that, many are looking to not only make a profit when it comes...

Adapt and prosper with VUL

Key benefits

Related articles

Possible 1% US Excise Tax on Outbound USD Transfers: What to Know Before It Takes Effect

Invest in Commodities: Agriculture

Know Your Impact Investment Vocabulary

Send us a message and we'll be happy to help.