Variable universal life insurance establishes a tax-free investment environment, at a very low cost, where there are a number of investment alternatives. For the variable universal life products offered through RetireOne, the investment advisor manages the assets in the insurance policy.

• Tax deferred growth of cash surrender values while a policy is in force
• FIFO withdrawal status on premiums paid into the contract
• Income tax free policy loans from policies that are not Modified Endowment Contracts
• Income tax free death benefits (may be subject to estate tax if policy is owned by the insured)