Gain permanent life insurance protection and build cash value wealth with one excellent product

With VUL Incentive Life Protectsm, 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.

Features and benefits

Equitable’s VUL Incentive Life Protectsm gives you flexible, tailored protection options, like a No-Lapse Guarantee, a Long-Term Care Servicessm Rider1 and the Market Stabilizer Option® II.2 Meanwhile, your cash value grows tax-deferred in our flexible investment options.

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Cost-effective protection

Every VUL Incentive Life Protectsm policy automatically includes our No-Lapse Guarantee, providing a guarantee the policy will stay inforce for the earlier of 20 years or to age 90, as long as required premiums are paid.

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Long-term care security

Add our Long-Term Care Servicessm Rider adds flexibility to VUL insurance, so clients on a qualified long-term care claim can access benefit payments to pay for anything they need.

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Flexible investment options

Grow cash value with an adaptable investment portfolio to navigate different life stages and market conditions. Learn more

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Choose from flexible options

Help safeguard your investment during uncertain times with the Market Stabilizer Option® II. Learn more

Frequently asked questions about VUL Incentive Life Protectsm

  • Do all policyholders get the base policy No-Lapse Guarantee?
    Yes. Everyone receives the base policy No-Lapse Guarantee, which guarantees the policy for the earlier of 20 years or to age 90.
  • Who should consider purchasing a VUL Incentive Life Protectsm policy?
    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 Protectsm.
  • Can I access the cash value of my life insurance policy?
    Yes. You can access the cash value of your variable universal life insurance policy through loans and withdrawals.
  • Why would I consider the Market Stabilizer Option® II?
    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.

Let’s take the next step

At Equitable, we are committed to helping you protect your family’s financial future with genuine, flexible and trustworthy solutions. Explore how VUL Incentive Life Protectsm can be a valuable part of your financial plan or speak to your financial professional to determine how VUL Incentive Life Protectsm can help with your financial goals. Don’t have a financial professional? Learn more about working with a financial professional.

Prepare for a conversation with your financial professional

  1. Download this VUL Incentive Life Protectsm brochure to help your conversation.
  2. Review the prospectus and supplements.
  3. Ask if VUL Incentive Life Protectsm fits your specific needs.

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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 Protectsm 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 Protectsm may not be available in all jurisdictions, and features and benefits may vary. Please check the state availability chart. VUL Incentive Life Protectsm, 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 Protectsm 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 Protectsm 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 Protectsm 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 Protectsm 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)