Variable universal life provides death benefit protection and the flexibility of universal life insurance. You also have the potential to build money in your policy called cash value using over 55 variable investment options from top financial firms. So you could possibly pay for college tuition or supplement your retirement income.
- Income tax-free death benefit1 paid to beneficiaries
- Helps money grow tax-deferred with variable investment options
- Over 55 variable investment options managed by leading firms to choose from
- Policy loans2 available so you can borrow from your policy
- Solid asset allocation solutions each diversified to match your risk tolerance
- Automatic rebalancing available to maintain your specified allocations
- Dollar cost averaging3 so you can take advantage of market fluctuations
Universal Life – CV
Maximize long-term growth potential with variable investment options to help fund retirement while protecting the ones you love.
Universal Life – DB
Focus on death benefit protection plus potential to grow cash value, all at an affordable price.
Use Voya Corporate VUL in an executive benefit plan to provide life insurance protection and help strengthen your business.
Variable universal life insurance policies are sold by prospectus only. Before investing, carefully consider your need for life insurance coverage and the charges and expenses of the variable universal life insurance policy. Also consider the investment objectives, risks, fees, and charges of each underlying variable investment option. This and other information is contained in the prospectuses for the variable universal life insurance policy and the underlying variable investment options. Obtain these prospectuses from your registered representative, by calling 877-253-5050, or from Voya.com and read them carefully before investing.
Variable universal life insurance products are issued by Security Life of Denver Insurance Company (Denver, CO) and distributed by Voya America Equities, Inc. Both are members of the Voya™ family of companies.
Variable insurance products are subject to investment risk, are not guaranteed and will fluctuate in value. In addition, there is no guarantee that any variable investment option will meet its stated objective.
All guarantees are based on the financial strength and claims paying ability of Security Life of Denver Insurance Company who is solely responsible for the obligations under its own policies.
1Proceeds from an insurance policy are generally income tax free and if properly structured, may also be free from estate tax.
2Policy loans and partial withdrawals may vary by state, may generate an income tax liability, reduce available surrender value and reduce the death benefit, or cause the policy to lapse.
Income tax free distributions are usually achieved by withdrawing to the cost basis (usually premiums paid), then using policy loans. This assumes the policy qualifies as life insurance, is not a modified endowment contract, is not lapsed or surrendered with an outstanding loan. Individual tax results may vary. You should consult your attorney or other tax advisor.
3Dollar cost averaging does not ensure a profit nor guarantee against loss.