Variable Universal Life Insurance
We know that choice can make all the difference. So if you need a permanent life insurance policy that lets you make your own investment choices within your policy, consider variable universal life insurance (VUL). VUL has flexible premium payments, allowing you to choose the amount and the frequency of your payments within certain limits. A VUL policy provides access to many different investment options, which allows you to choose options that align with your goals and tolerance for market and investment risk.
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How much life insurance do I need?
Who should consider variable universal life insurance?
Variable universal life features and benefits
With VUL, you can allocate net premium dollars among the investment options or to the Guaranteed Principal Account (GPA). The GPA is a fixed account; amounts allocated to the GPA earn guaranteed interest daily.
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What is the process for getting a variable universal life insurance policy?
When you work with a financial professional, you can expect:
- Analyze
During your initial phone call, your financial professional will ask you questions to understand your financial goals and objectives.
- Recommend
After looking at your entire financial picture, your financial professional will provide you with suggestions to fill in the gaps so you can choose the products best suited for your situation.
- Purchase
If you're satisfied with their recommendations, they work with you to secure the products and services to help ensure your financial future. This may require a medical exam.
- Review
Your financial professional can work with you over time through periodic reviews to help you monitor the strategies in place, and their capacity to continuously meet your goals.
Learn more about variable universal life insurance
Why MassMutual
since
1851
we've been helping people secure their financial future and protect the ones they love
more than
$1.0T
of life insurance protection in force as of 12/31/23
named for the
6th
year in a row as a Best Place to Work for Disability Inclusion according to the Disability Equality Index®
delivered
$9.1B
insurance and annuity benefits paid to policyowners and other customers in 2023
1 Access to account values through borrowing and/or withdrawals will reduce the cash surrender value and may reduce the policy death benefit. Taking a policy loan could have adverse tax consequences if the policy terminates upon lapse or surrender or before the insured's death.
Before purchasing a variable universal life insurance policy, you should carefully consider the investment objectives, risks, charges, and expenses of the policy and its underlying investment choices. For this and other information, obtain the prospectus for the policy and the prospectuses (or summary prospectuses, if available) for its underlying investment choices from your registered representative. Please read the prospectuses carefully before investing or sending money. Securities offered through registered representatives of MML Investors Services, LLC (MMLIS), Member SIPC® (www.SIPC.org), or a broker-dealer that has a selling agreement with MML Distributors, LLC (MMLD), Member SIPC®, or MML Strategic Distributors, LLC (MSD). MMLIS, MMLD, and MSD are subsidiaries of Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001, Members FINRA (www.FINRA.org).
Insurance products issued by Massachusetts Mutual Life Insurance Company (MassMutual), and its subsidiaries, C.M. Life Insurance Company (C. M. Life) and MML Bay State Life Insurance Company (MML Bay State), Springfield, MA 01111-0001. C.M. Life and MML Bay State are non-admitted in New York.