Article: New Design Combines Best of VAs And VULs. (Product Trends).(variable universal life insurance, variable annuity)(Brief Article)(Column)

The complexity of life insurance--especially variable universal life with its myriad charges (e.g., cost of insurance, etc)--has been a major impediment to expanded sales.

Another key impediment has been the complexity of the fulfillment process.

The rather daunting nature of these two factors has kept many producers away from VUL, even though they recognize its Superior benefit structure and tax advantages.

One resolution to this conflict is emerging, however. It is a new type of product that combines the simplicity of a variable annuity and the tax advantages of a non-modified endowment VUL. It provides the best of each type of policy and ...

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