Customize protection options to secure your family’s financial future
With VUL Incentive Life Protect®, you can feel confident about your family’s future. It has features and options designed to help people with different goals create customized financial protection plans to meet their unique needs.
Equitable’s VUL Incentive Life Protect® gives you flexible, tailored protection options, like a No-Lapse Guarantee, a Long-Term Care Services℠ Rider¹ and the Market Stabilizer Option® II.² Meanwhile, your cash value grows tax-deferred in our flexible investment options.
There are fees and charges associated with VUL Optimizer® including but not limited mortality and expense risk charges. a front end load, administrative fees, investment management fees and surrender charges. There is investment risk including the possible loss of principal invested.
Yes. Everyone receives the base policy No-Lapse Guarantee, which guarantees the policy for the earlier of 20 years or to age 90.
Anyone looking for cost-effective premiums for a permanent life insurance policy that offers additional protection options and a wide variety of investments to grow cash value should consider VUL Incentive Life Protect®.
Yes. You can access the cash value of your variable universal life insurance policy through loans and withdrawals.
Throughout your lifetime, there will likely be times when you desire a more conservative investment approach with some levels of downside protection. In such situations, the Market Stabilizer Option® II may help provide this type of conservative asset allocation.
Important note
Equitable believes that education is a key step toward addressing your financial goals, and we’ve designed this material to serve simply as an informational and educational resource. Accordingly, the information on this website does not offer or constitute investment advice and makes no direct or indirect recommendation of any particular product or of the appropriateness of any particular investment-related option. Your needs, goals and circumstances are unique, and they require the individualized attention of your financial professional.
1 The LTCSR is available for an additional charge subject to underwriting approval. Use of the LTCSR benefit will reduce the death benefit payable upon the insured’s death through an acceleration of the death benefit. The LTCSR will terminate if the accumulated benefit lien equals the maximum total benefit. Refer to the VUL Incentive Life Protect® prospectus for complete information.
2 The MSO II provides varying levels of downside protection and upside potential in various market scenarios. However, amounts in the MSO II are subject to fluctuation in value and market risk, including loss of principal. MSO II is not available in all jurisdictions. In states where MSO II is not available, the Market Stabilizer Option® (MSO) may be available instead. The MSO and MSO II are not available for policies with a contract state of New York. Refer to the product prospectus for more information.
VUL Incentive Life Protect® may not be available in all jurisdictions, and features and benefits may vary. Please check the state availability chart. VUL Incentive Life Protect®, a variable universal life insurance policy, and the MSO II (or the MSO, where applicable) are sold only by prospectus. Be sure to review the current prospectus for complete details, including investment objectives, risks, charges, expenses, limitations and restrictions. Please be sure you read the product prospectuses and consider the information carefully before purchasing a policy or sending money. You can find a copy of the prospectus at equitable.com.
VUL Incentive Life Protect® variable universal life insurance is a policy with the primary purpose of providing a death benefit. It is also a long-term financial investment that can allow potential accumulation of assets through customized, professionally managed investment portfolios. These portfolios are closely managed in order to satisfy stated investment objectives. There are fees and charges associated with variable life insurance policies, including mortality and risk charges, administrative fees, investment management fees, front-end load, surrender charges and charges for optional riders.
Insureds age 70 and older who elect the LTCSR on VUL Incentive Life Protect® will not be eligible for the preferred elite or preferred non-tobacco underwriting classes. In FL, this rider is called the Long-Term Care Insurance Rider. Actual terms and conditions of the LTCSR are contained in rider form ICC19-R19-LTCSR, R19-LTCSR and state variations. An earlier version of the rider is offered in CA (R12-10CA) and NY (R12-10NY). This rider has exclusions and limitations and may not be available in all jurisdictions or may vary by version and jurisdiction. The LTCSR has an additional cost and is subject to restrictions and limitations. Clients may qualify for life insurance but not for the LTCSR. The LTCSR is paid as an acceleration of the death benefit.
VUL Incentive Life Protect® is issued in New York and Puerto Rico by Equitable Financial Life insurance Company (Equitable Financial) (NY, NY) and in all other jurisdictions by Equitable Financial Life Insurance Company of America (Equitable America), an AZ stock company with an administrative office located in Charlotte, NC, and is co-distributed by Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI & TN) and Equitable Distributors, LLC. When sold by New York state-based (i.e., domiciled) Equitable Advisors Financial Professionals, VUL Incentive Life Protect® is issued by Equitable Financial. Please be advised this web page is not intended as legal or tax advice. Accordingly, any tax information provided is not intended or written to be used, and cannot be used, by any taxpayer for the purpose of avoiding penalties that may be imposed on the taxpayer. The tax information was written to support the promotion or marketing of the transaction(s) or matter(s) addressed, and clients should seek advice based on their particular circumstances from an independent tax advisor. Equitable Financial, Equitable America and its affiliates do not provide legal or tax advice.
S&P®, S&P 500® and Standard & Poor’s 500® are trademarks of Standard & Poor’s and have been licensed for use by Equitable. The Market Stabilizer Option® and the Market Stabilizer Option® II are not sponsored, endorsed, sold or promoted by Standard & Poor’s, and Standard & Poor’s does not make any representation regarding the advisability of investing in the products.
GE- 7230906.2 (01/2025) (Exp. 01/2027)
