Apex Variable Universal Life Insurance Overview

This guide presents the Apex Variable Universal Life (Apex VUL) insurance product, which is designed for registered representatives. Apex VUL is characterized as a permanent life insurance solution that combines a death benefit with an accumulation focus, allowing for investment diversification. The document outlines various features and benefits, including premium flexibility, a range of investment options, and riders for chronic illness and disability. It details the policy's structure, including the guaranteed death benefit to age 85 and the potential for tax-advantaged withdrawals. Additionally, it includes a case study illustrating how Apex VUL can meet specific financial needs, such as providing a financial legacy and retirement income. Marketing resources for financial professionals are also mentioned, providing tools to effectively communicate the product's advantages to clients. The document emphasizes the importance of consulting with tax or legal professionals regarding the implications of policy loans and withdrawals.