| Variable Universal Life is a flexible premium,
adjustable life insurance policy. You can adjust the level of coverage; you can
set the amount and timing of your premium payments; and you can use the cash
value of the policy to meet other financial needs - including funding a
college education and building
additional retirement income.
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In addition to offering you this flexibility, however, Variable Universal Life
allows you to invest in a number of Separate Account investment portfolios.
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You, not the insurance company, decide how you want your premiums allocated;
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You can reduce risk by spreading your money among a number of Separate Account
investment portfolios*; and
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You can choose the investment options that most closely match your tolerance
for risk and your financial goals*.
By providing you with investment flexibility and the potential for growth,
Variable Universal Life can offer you a powerful opportunity to invest in your
life.