Variable Universal Life

A form of universal life (UL) insurance, variable universal life (VUL) insurance offers life protection alongside investment flexibility. Premiums are payable through a combination of cash (or cash equivalent) and asset holdings, enabling policyholders to align insurance planning with their broader wealth strategy. Designed for HNW and ultra HNW individuals, VUL helps enhance investment potential while leveraging market growth to support long‑term legacy planning.

Indexed Universal Life

A variation of UL insurance. In addition to the life protection benefit and flexibility of UL insurance, an indexed UL plan brings wealth growth potential by tracking the performance of specific indices. A comprehensive indexed UL life insurance plan provides a diverse suite of index tracking options as well as downside protection to guard against market volatility.

Indexed Savings

As a type of indexed UL insurance, it primarily focuses on savings and long-term wealth growth by providing returns through tracking the performance of certain indices while also providing downside protection. Its savings focus also comes with a lower proportion of life protection benefit, with an easy application and no health requirements.

Universal Life

A type of whole life insurance that consists of two components: life protection and savings. It provides the flexibility for policyholders to adjust their premium payments and withdraw money from their in-force insurance policies to meet changing financial needs.

Term Life

Focused on providing guaranteed life protection benefits for a chosen duration to give customers the financial support they need to navigate unpredictable occasions. Term life insurance premiums are relatively lower than insurance that offers both life protection and savings coverage, providing a cost effective way to gain or strengthen life protection.