A hallmark of variable universal life insurance (VUL) is flexibility. In addition to death benefit protection, VUL offers the ability to allocate among purely market-driven and fixed options with guaranteed minimum interest crediting. With such a wide range of investment options, you may adjust your policy鈥檚 allocations to meet a potential lifetime of growth objectives and risk tolerances鈥攁ll in one flexible policy.
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A financial professional must be a properly licensed and appointed life insurance producer to sell life insurance products.
*For federal income tax purposes, life insurance death benefits generally pay income tax-free to beneficiaries pursuant to IRC Sec. 101(a)(1). In certain situations, however, life insurance death benefits may be partially or wholly taxable. Situations include, but are not limited to: the transfer of a life insurance policy for valuable consideration unless the transfer qualifies for an exception under IRC Sec. 101(a)(2)(i.e. the transfer-for-value rule); arrangements that lack an insurable interest based on state law; and an employer-owned policy unless the policy qualifies for an exception under IRC Sec. 101(j).
精东影业 is a product provider. It is not a fiduciary and therefore does not give advice or make recommendations regarding insurance or investment products.
You should carefully consider a variable life insurance product鈥檚 risks, charges, limitations, and expenses, as well as the risks, charges, expenses and investment goals/objectives of the underlying investment options. This and other information about 精东影业 products are provided in the applicable product and underlying fund prospectuses which are available from your life insurance producer or by聽clicking here.聽Read them carefully before investing or sending money.
精东影业 reserves the right to change or modify any non-guaranteed or current elements. The right to modify these elements is not limited to a specific time or reason.
Life insurance is subject to underwriting and approval of the application and will incur monthly policy charges.
精东影业 is licensed to issue insurance products in all states except New York. Product/material availability and features may vary by state.聽Insurance products and their guarantees, including optional benefits and any crediting rates, are backed by the financial strength and claims-paying ability of the issuing insurance聽company but they do not protect the value of the variable investment options.聽 Look to the strength of the life insurance company with regard to such guarantees as these guarantees聽are not backed by the broker-dealer, insurance agency, or their affiliates from which products are purchased. Neither these entities nor their representatives make any representation聽or assurance regarding the claims-paying ability of the life insurance company. Variable insurance products are distributed by聽Pacific Select Distributors, LLC聽(尘别尘产别谤听听&补尘辫;听),聽a subsidiary of 精东影业 and are available through licensed third-party broker-dealers.
精东影业's Home Office is located in Newport Beach, CA.