A Case for Variable Life Revisited

Speakers: Lawrence J. Rybka, JD, CFP

Year: 2018

A fresh look at a product that is making a resurgence in the affluent market. A look back at how actual products have performed and what lessons are to be learned by producers and companies as they create a new generation of variable products. Three Takeaways: • Learn why HNW clients are attracted to VUL products, industry average premiums double UL and six times higher than the average whole life premiums. • Learn how properly structured variable products may actually present less risk to clients in this low interest rate environment than most general account products. • Learn how today’s market leading variable products create a compelling client value proposition for death benefit-oriented life insurance, sales including estate tax funding.

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