Variable universal life insurance provides death benefit protection, the potential to build cash value and flexible premium payments. Premiums are invested in your choice of underlying portfolios offering different levels of risk and growth potential. Any earnings generated from the investment options are credited to your policy’s cash value.
Life insurance protection with the potential for cash value accumulation through customized, professionally-managed investment portfolios as well as a wide array of investment options of your choice.
Designed for individuals looking for affordable permanent life insurance who also want to put their premium dollars to work via market-sensitive investment options.
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Please consider the charges, risk, expenses, and investment objectives carefully before purchasing a variable life insurance policy. For a prospectus containing this and other information, please see the link below which will provide you access. Read it carefully before you invest or send money.
A variable life insurance policy is a contractual agreement in which premiums are made to an insurance company. In return for these premiums, the insurance company will provide a death benefit to a named beneficiary upon proof of the insured's death and a policy cash value. Amounts in the variable life insurance policy's cash value are invested in a variety of variable investment portfolios. Amounts in a variable life insurance policy's variable investment options are subject to fluctuation in value and market risk, including loss of principal. Life insurance policies have exclusions, limitations and terms for keeping them in force.
Fees and charges associated with variable life insurance including a front end load, mortality and expense risk charges, cost of insurance charges, surrender charges, administrative fees, investment management fees and charges for optional benefits. Contact a financial professional for costs and complete details of coverage.
VUL Optimizersm and VUL Legacysm are a flexible premium variable life insurance policies issued in New York and Puerto Rico by AXA Equitable Life Insurance Company (AXA Equitable), NY, NY; and in all other jurisdictions by MONY Life Insurance Company of America (MLOA), an Arizona Stock Corporation with its main administrative office in Jersey City, NJ, depending on the state or jurisdiction of issuance. MLOA is not licensed to do business in New York. When sold by New York state-based (i.e., domiciled) financial professionals, VUL Legacysm is issued by AXA Equitable Life Insurance Company (New York, NY). AXA Equitable and MLOA are separate companies, and each insurance company has sole responsibility for its life insurance obligations.
VUL Optimizersm and VUL Legacysm are service marks of AXA Equitable Life Insurance Company.
VUL Optimizersm Policy form #s ICC15-100, 15-100 or state variations.
VUL Legacysm Policy form #s ICC09-100, #09-100 or state variations.