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By Scott Strait on March 10, 2017

Variable universal life insurance (VUL) is a form of cash-value life insurance that offers both a death benefit and an investment feature. The investment amount for variable universal life insurance (VUL) is flexible and may be changed by the insured as needed, though these changes can result in a change in the coverage amount. Payments are paid into the investment component. Each year, the life insurer takes what it needs to cover mortality and administrative costs. The rest remains in the separate accounts. The policy stays in effect as long as the cash value is sufficient to cover the cost of insurance. Loans can be taken against the cash value of the policy. Fund values for variable universal life insurance, are kept in an insurer’s separate account and interest accrued under these contracts are not guaranteed and may in fact be negative since interest is a function of the change in the market value of the separate account assets. As a separate account product, the policyholder may choose from a variety of underlying investment accounts whose values fluctuate with the performance of the underlying assets.

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1Variable annuities available on the RetireOne platform do not assess surrender penalties. Because fixed indexed annuities on the platform charge no fees, contingent deferred sales charges (surrender penalties) may be assessed if the money is withdrawn from the policy during the surrender period.

Insurance policies are sold by Aria Retirement Solutions, Inc. doing business in California as Aria Insurance Solutions, Inc. (San Francisco, CA), a licensed insurance agency (CA License #0H44773). Aria distributes certain insurance and variable annuity contracts that are issued by insurance companies not affiliated with Aria. Insurance policies may not be available in all states. Information on this site may not yet be approved by the Departments of Insurance for use in all states.
Securities Offered through Portsmouth Financial Services, Member FINRA/SIPC, registered in all 50 states.

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