Supercharge Your Wealth with VUL

If you love the stock market but hate the taxes, Variable Universal Life (VUL) might be your new favorite asset class. It combines the tax advantages of life insurance with the growth engine of the financial markets.

Full Investment Control

Unlike other insurance products, a VUL allows you to pick the sub-accounts your cash value is invested in. Want exposure to tech stocks? International markets? Bonds? You decide. PRO TIP: This allows aggressive investors to shoot for returns well above the 10-12% caps often found in IULs.

Tax-Free Rebalancing

In a brokerage account, selling a winning stock triggers capital gains tax. In a VUL, you can buy and sell funds within your policy as often as you like without generating a tax bill. This allows for true tax-deferred compounding.

The Risks

With great power comes great responsibility. VULs have no floor. If the market tanks, your cash value takes a hit. That's why it is critical to overfund these policies to ensure they remain healthy even during bear markets.

Bottom Line: For high-net-worth individuals who have maxed out other tax shelters, a VUL is the ultimate tool for tax-free wealth accumulation.