Two Exclusive Products
for Your High-Income Clients
Advisor-Applied VUL (AAVUL) comes in two versions:
Private Placement VUL (PPVUL)
for your top clients with more than
$5 million in investable wealth.
for those high-income clients
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.
- 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.
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.