VUL LIFE INSURANCE

PictureVUL Life Insurance is ultimately about protecting your loved ones.
VUL Insurance, also known as Variable Universal Life Insurance, is a life insurance instrument whose benefits are directly related to the performance of underlying financial units.  These financial units may come in the form of assets like stocks, bonds, mutual funds, real estate holdings and others.

A VUL Insurance policy is a protection instrument that is equipped with an investment-growing feature that enables it to potentially provide higher benefits to beneficiaries when the need arises.  Some VUL Insurance Policies are also designed in such a way that a bulk of the premiums paid are placed in investments.

Who needs to secure a VUL Insurance Policy?

ALL OF US need the protection of a VUL insurance policy at some point in our lives.  Why?  Due to the fact that we all have people whom we love dearly.  They need to be protected from any possible unfortunate consequences that may befall them as a result of untoward and untimely things that may happen to us.  

Those of us who want to grow and compound our money over time while at the same time making sure that this money is GIVEN DIRECTLY to our beneficiaries in the event of our demise should consider securing a VUL Insurance Policy.  Sure, we can grow our money by directly investing in stocks and bonds or keeping our money in the bank.  But should we die, only a VUL Insurance Policy will transfer the money to our loved ones - no questions asked!  The banks, the stock market, the bond market will all hold on to our money unless Estate Taxes are paid by our surviving loved ones.  

People who are heads of families, breadwinners, those with young kids, and those with relatives who depend on their financial assistance ARE IN IMMEDIATE NEED of securing a VUL insurance policy.  Unpredictable unfortunate events may occur anytime and the risks to our loved ones are significantly lowered if a VUL insurance policy is available to them anytime.


Benefits of a VUL Insurance Policy

Here are some of the benefits that make a VUL Insurance Policy attractive to policyholders:
  • It has a Guaranteed Face Amount that is paid out to policyholder's beneficiaries in case of the policyholder's demise.
  • It can either be paid on regular recurring basis or can be paid one-time.
  • It builds up a Cash or Fund Value that is the amount derived from the investments made by the insurance company in the underlying financial instruments chosen by the policyholder during application.  This may also be paid out to the beneficiaries in case of policyholder's death or paid to the policyholder himself in case he needs the money.
  • It can be redeemed anytime, subject to applicable fees.
  • It doesn't automatically lapse when the policyholder fails to pay his regular premium.  As long as the Cash or Fund Value is sufficient to cover all insurance-related fees, the policy remains in force.
  • Policyholder can choose to add money anytime to the Policy, when applicable.  The Cash or Fund Value is then boosted by this cash infusion.
  • Policyholder can choose to add riders or enhanced features to cover such other needs as health and medical needs. 

Because of these features, VUL Insurance Policies are often used by many Filipinos as vehicles to achieve certain financial goals in life.  These include:

(a.) Using the Cash Value to fund a child's college education needs;
(b.) Using the Cash Value to fund a life milestone such as a wedding or a gift to a child;
(c.) Using the Cash Value to prepare for retirement;
(d.) Using the Cash Value to further strengthen investments;
(d.) Using the Cash Value as a contingency fund to prepare for future health and medical expenses;  
(e.) Using the Cash Value and Death Benefit to pay for estate taxes for deceased loved ones' assets and properties.
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Edwin Bartolome
YOUR PARTNER

Edwin T. Bartolome
Financial Advisor and Certified Investment Solicitor 


For inquiries, assistance and free consultation on VUL Life Insurance and other Money Matters, you can reach him at:

E-Mail: edwinbartolome.sunlife@gmail.com
Sun Life Greenhills
Office Address:
Baobab New Business Office
Sun Life Financial
6/F BTTC Centre,
288 Ortigas Avenue
Greenhills, San Juan City
Philippines
Tel. No. 719-3958
Fax. No. 719-3894
"If there is anyone dependent on your income - parents, children, relatives - you need Life Insurance." 
~ Suze Orman,
   Financial and Wealth Planning Guru
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