VUL Optimizer® insurance
An appealing product for choice, protection and growth potential
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VUL Optimizer® is an appealing variable universal life insurance product for those who want choice, protection and growth potential. It’s designed to maximize cash value and potential tax-free distributions while providing a needed death benefit. It also lets you choose how you want to invest your money from a wide array of professionally managed options.
Features and benefits
VUL Optimizer® protects a policyholder and their family, flexibly adapting to provide access to the cash they need when they need it. The cash value of VUL Optimizer® grows tax-deferred, offering more than 85 investment options to choose from.
Build more for the future
VUL Optimizer®, policyholders’ cash value can grow tax-deferred over time, with options that include Index Portfolios, Asset Allocation Portfolios and more than 65 equity and fixed income options.1
Get more protection
VUL Optimizer® offers a potential lifetime death benefit. It also offers downside protection from market volatility via Market Stabilizer Option® II Indexed Options and an optional Long-Term Care Servicessm Rider.2
Keep more of your money
VUL Optimizer® helps you keep more of your money by minimizing taxes. Generally, no income taxes are due to the beneficiaries of the policy’s death benefit. Enjoy tax-deferred growth and tax-free distributions when structured properly.
Choose from flexible options
Our VUL investment portfolio allows you to adapt your investment strategies as your risk profile changes over time. With a wide range of options, you can confidently navigate different life stages and market conditions. Another advantage is that you have tax-free transfers between investment options.
Frequently asked questions about VUL Optimizer®
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Who should get VUL Optimizer® insurance?People who need life insurance coverage, but are also interested in the potential of investing their money to grow faster.
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Why should I consider adding the Long-Term Care Servicessm Rider (LTCSR)?By adding the Long-Term Care Servicessm Rider to your policy, you can access qualifying benefit payments to pay for anything you need (including care from a family member, friend or medical professional) if a qualifying long-term care event happens. There is an additional fee for the LTCSR.3
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Can I access the cash value?With VUL Optimizer®, you can access cash value through potentially tax-free loans and withdrawals.
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When would I use 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.
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Can I customize my policy?Depending on your current or anticipated future needs, your financial professional can help you tailor your VUL Optimizer® policy by taking advantage of a selection of policy riders available with your policy.
Let’s take the next step
Speak to your financial professional to determine how VUL Optimizer® 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
- Download this VUL Optimizer® brochure to help conversation.
- Review the prospectus and supplements.
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1 Asset allocation portfolios that are structured as a fund-of-funds, which is a portfolio that specializes in buying shares of other portfolios rather than individual securities, may have higher costs than if you invested directly in the underlying portfolios.
2 All of the riders are subject to the terms and conditions of the rider. Not all riders may 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.
3 The LTCSR rider does have restrictions and limitations. A client may qualify for the life insurance but not the rider. It is paid as an acceleration of the death benefit. Loans and withdrawals reduce the policy’s cash value and death benefit, may cause certain policy benefits or riders to become unavailable, and increase the chance the policy may lapse. If the policy lapses, is surrendered or becomes a Modified Endowment Contract (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. 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.
VUL Optimizer® variable universal life insurance is offered by prospectus. This information must be accompanied by a current prospectus, which contains more information about the policy including risks, charges, expenses and investment objectives. You should read the prospectus and consider the information carefully before purchasing a policy. Please read the attached prospectus contained in the tab below and consider the information carefully before purchasing or sending money.
Guarantees are based on the claims-paying ability of the issuing insurance company either Equitable Financial Life Insurance Company or Equitable Financial Life Insurance Company of America. The guarantees do not apply to the investment portfolios.
Life insurance is subject to exclusions, limitations, and terms for keeping it in force. Your financial professional can provide you with costs and complete details.
VUL Optimizer® is a flexible premium variable life insurance policy 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 distributed by Equitable Advisors, LLC (member FINRA, SIPC) and Equitable Distributors, LLC, 1345 Avenue of Americas, New York, NY 10105. Equitable America is not licensed to conduct business in New York and Puerto Rico. When sold by New York state-based (i.e., domiciled) Equitable Advisor Financial Professionals, VUL Optimizer® is issued by Equitable Financial Life Insurance Company (NY, NY). Equitable Financial and Equitable America are separate companies, and each insurance company has sole responsibility for its life insurance obligations.
Please be advised that this content 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 you should seek advice based on your particular circumstances from an independent tax advisor.
Certain types of contracts, features and benefits may not be available in all jurisdictions or may be different.
This is not a complete description of the VUL Optimizer® contract.
Market Stabilizer Option® is a registered service mark of Equitable Financial Life Insurance Company.
VUL Optimizer® Policy form #s ICC15-100, 15-100 or state variations.
Market Stabilizer Option® form #s ICC15-R15-200, R15-200 or state variations.
Throughout this website "Equitable" is referenced. In some cases, this is representative of both Equitable Financial Life Insurance Company (Equitable Financial) and Equitable Financial Life Insurance Company of America (Equitable America), which are affiliated companies.