VUL Survivorship life insurance 

For couples who want to leave a legacy and invest for potential growth

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Learn about VUL Survivorship

Discover how VUL Survivorship can help policyholders live more for today, keep more of the money they earn and build more for tomorrow.

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Choosing investment options

With VUL Survivorship policyholders have the flexibility to choose from over 80 investment options. Learn about them here.

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Building a strategy

Learn how VUL Survivorship offers policyholders a wide variety of investment options featuring index, asset allocation and a diverse selection of equity and fixed income options so they can build a strategy that is right for them.

The primary purpose of a VUL Survivorship life insurance contract is to provide 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.
  • Optional riders available at an additional charge:2
    • Cash Value Plus Rider
    • Estate Protector Rider
  • Riders automatically included at no additional charge:2
    • Living Benefits Rider (terminal illness)
    • Option to Split Upon Divorce Rider
    • Option to Split Upon Federal Tax Law Change Rider
    • Paid Up Death Benefit Guarantee

Client materials

Financial Professional materials

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Prospectus and Supplements

  • Prospectus

Product highlights

We selected with nationally recognized fund managers to offer policyholders a wide variety of investment options featuring index, asset allocation and a diverse selection of equity and fixed income options. That way, regardless of their investment style, risk tolerance, time horizon or financial goals, they can build a strategy that is right for them.

  • Diversification Strategies - Reduce fluctuations by diversifying by asset class or management style
  • Indexed Portfolios - Your clients can participate in well-diversified portfolios with market performance while minimizing costs. They can select a single index option or use our wide selection covering the asset classes they need to build an index strategy to match their risk tolerance.
  • Asset Allocation Portfolios - They can match their risk tolerance with traditional asset allocation portfolios ranging from conservative to aggressive. All our asset allocation portfolios are broadly diversified.
  • Equity & Fixed Income Portfolios - For your clients who prefer a more actively managed strategy, they have access to more than 80 equity and fixed income options from some of the most respected money managers in the world.
  • Other Considerations - VUL Survivorship does have additional charges including but not limited to a cost of insurance charge, mortality and expense risk charge, investment management fees, transaction charges, rider charges and monthly administration charges, please make sure you and your clients consider these charges before investing or making a purchase.

Prospective policyholder

  • Affluent married couples, age 40-69
  • May be more financially sophisticated investors
  • Has a need for life insurance protection for both spouses
  • Wants to leave a legacy for the next generation
  • Wants to fully participate in financial market performance
  • Moderate to moderate-aggressive risk tolerance

Under current federal tax rules, clients generally may take federal income tax-free withdrawals up to their basis (total premiums paid) in the policy or loans from a life insurance policy that is not a Modified Endowment Contract (MEC). Certain exceptions may apply for partial withdrawals during the policy’s first 15 years. If the policy is a MEC, all distributions (withdrawals or loans) are taxed as ordinary income to the extent of gain in the policy, and may also be subject to an additional 10% premature distribution penalty prior to age 59½, unless certain exceptions are applicable. Loans and partial withdrawals will decrease the death benefit and cash value of the life insurance policy and may be subject to policy limitations and income tax. In addition, loans and partial withdrawals may cause certain policy benefits or riders to become unavailable and may increase the chance the policy may lapse. If the policy lapses, is surrendered or becomes a MEC, the loan balance at such time would generally be viewed as distributed and taxable under the general rules for distribution of policy cash values.

All riders are subject to the terms and conditions of the rider. All riders may not be available in all jurisdictions. Some states may vary the terms and conditions. There may be an additional charge associated with obtaining certain riders. Some riders may not be available in combination with other riders and/or policy features.

Please be advised that this webpage is not intended as legal or tax advice. Accordingly, any tax information provided in this guide for producers 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.

VUL Survivorship is issued by Equitable Financial Life Insurance Company, NY, NY. Distributed by Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI and TN) and Equitable Distributors, LLC, NY, NY.

This webpage is not a complete description of all the material provisions of the VUL Survivorship variable life insurance policy and is sold by prospectus only. The prospectuses contain more complete information about the policy, including investment objectives, risks, charges, expenses, limitations and restrictions. Please make sure you and your clients read the prospectuses and consider the information carefully before purchasing a policy or sending money. Please see the links above for a copy of the current prospectus.

GE-6398807.1 (02/2024) (Exp. 02/2026)