Variable universal life insurance is permanent life insurance—it remains in force for the policyholder's whole life. 和, 就像万能寿险一样, it provides a flexible premium and an adjustable benefit—meaning the policyholder decides how much to put in the policy above a set minimum. By extension, the policyholder also determines the face amount of the policy.
The difference between variable universal life insurance and other types of permanent insurance is that 投保人指导如何投资保费. This provides access to the potentially higher returns provided by the financial markets. It also means returns could underperform those provided by other life insurance products.
Generally, there are several subaccounts in which the policyholder may choose to invest. There may be a fixed-interest option as well as various stock, bond, or money-market choices. Guarantees are based on the claims-paying ability of the issuing company.
和其他类型的永久人寿保险一样， 保单持有人甚至可以借用一部分保单的现金价值 在相当优惠的条件下. 和 interest payments on policy loans go directly back into the policy’s cash value.*
当投保人死亡时，他或她的受益人从保单中获得利益. Depending on how the policy is structured, benefits may or may not be taxable.
Variable universal life insurance has unique features that may be attractive to some insurance buyers. 然而, a variable universal life insurance policy also has options that must be clearly understood before an individual commits to a policy.
*一般, loans taken from a policy will be free of current income taxes provided certain conditions are met, 如保单没有失效或成熟. Keep in mind that loans and withdrawals reduce the policy’s cash value and death benefit. 贷款也增加了政策失效的可能性. 如果保单失效, 成熟, 或者是投降了, 贷款余额将被视为一种分配，并将被征税.
Accessing the cash value in your insurance policy through borrowing—or partial surrenders—has the potential to reduce the policy’s cash value and benefit. Accessing the cash value may also increase the chance that the policy will lapse and may result in a tax liability if the policy terminates before your death.
Variable universal life insurance can be structured so that the cash value that accumulates will eventually cover the premiums. 然而, additional out-of-pocket payments may be required if the policy’s dividend decreases or if investment returns underperform.
有几个因素会影响人寿保险的成本和可用性, 包括年龄, 健康, 以及购买保险的种类和金额. Life insurance policies have expenses, including mortality and other charges. 如果保单过早退保, the policyholder also may pay surrender charges and have income tax implications. You should consider determining whether you are insurable before implementing a strategy involving life insurance. Any guarantees associated with a policy are dependent on the ability of the issuing insurance company to continue making claim payments.
提取所得按一般所得税率全额纳税. 如果你的年龄在59岁半以下, you may be subject to surrender charges and assessed a 10% federal income tax penalty. 此外，提款会减少合同的利益和价值. 人寿保险没有FDIC的保险. It is not insured by any federal government agency or bank or savings association. Depending on the performance of variable life and variable universal life insurance, 会计价值会随市场状况的变化而波动. 在任何时候, the account value may be worth more or less than the original amount invested in the policy.
Please consider the investment objectives, risks, charges, and expenses before investing. Variable life and variable universal life insurance are sold by prospectus only. Information on fees and expenses can be found in the prospectus or obtained from your financial professional. 请在投资或汇款前仔细阅读招股说明书.
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