Two Exclusive Products
for Your High-Income Clients

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You’re in charge, leading your clients to greater prosperity. You need products designed to support you in this role.

Advisor-Applied VUL (AAVUL) comes in two versions:

Private Placement VUL (PPVUL)
for your top clients with more than
$5 million in investable wealth.
  • Registered AAVUL
    for those high-income clients
    with less.

 

Both are priced like an institutional product with very low costs and no surrender charges.
Equally important, both are flexible wealth planning tools that come with a high-impact
portfolio that you build, manage, and monitor as well as a valuable death benefit.

All this is under your ongoing oversight of each client's wealth and investment plan.

 

Beyond Tax Alpha; Boost Planning Execution

An advisor has eight primary wealth-planning tasks.
The advisor-applied VUL (AAVUL) portfolio serves all these planning tasks in whole or in part.

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WITH
ADVISOR-APPLIED VUL,

YOU’RE IN
CHARGE
  • For both PPVUL and Registered AAVUL, you build, manage, and monitor the
    underlying AAVUL portfolio . . . it's your advice, your philosophy.
  • For PPVUL:

Use any investment product approved by your firm’s investment committee.

Hold the portfolio in your chosen custodian account

Display it in your client portal.

  • Rebalance according to your preferred rules.

    • Registered AAVUL, packaged for broad client usage, delivers:

    A broad list of low-cost mutual funds and ETFs

    Periodic rebalancing

     

    Explore & Embrace Advisor-Applied VUL (AAVUL)

    Accelerate your tax alpha know-how and other important planning applications.

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    Insurance Like It Should Be

    Benefits, without Barriers

    You’re most familiar with retail VUL and its drawbacks:
    loads; high costs; complex products; investment limitations; a difficult sales process.

    Check out our PPVUL and Registered AAVUL partners’ solutions that keep VUL's benefits while removing the barriers.

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