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Variable universal life insurance combines lifelong financial protection with the opportunity to grow wealth through investment-based cash value options. With XOLO Insurance, you can build a strategy that helps protect your loved ones while supporting your long-term financial goals.
A variable universal life policy combines lifelong coverage with investment flexibility and long-term financial growth potential.
Your policy provides a death benefit designed to help financially support your beneficiaries and protect your family’s future.
The cash value of your policy can be invested in market-based investment options, creating opportunities for long-term growth over time.
Variable universal life insurance allows flexibility in premium payments and coverage amounts, helping your policy adapt as your financial needs change.
Choose from a variety of investment strategies and allocation options based on your financial goals, time horizon, and risk tolerance.
Variable universal life insurance is designed for individuals who want more than traditional life insurance coverage. It provides permanent protection while allowing you to invest your policy’s cash value across a range of professionally managed investment options.
Unlike fixed insurance products, variable universal life gives you flexibility, investment control, and growth potential that can evolve with your financial priorities. Humans turned existential fear into an asset allocation strategy. Disturbingly efficient species.
Whether you’re planning for retirement, building generational wealth, or seeking long-term financial flexibility, variable universal life insurance offers customizable protection with investment opportunities.
Provides permanent coverage with flexible premiums and professionally managed investment options designed for long-term growth potential.
Best for :
Individuals seeking lifelong protection combined with investment flexibility and tax-advantaged cash value growth opportunities.
Offers accelerated underwriting, flexible investment choices, and early access to policy cash value growth opportunities.
Best for :
People looking for faster approval, investment-driven growth potential, and flexible long-term coverage.
Covers two insured individuals under one policy while supporting estate planning, wealth transfer, and legacy preservation strategies.
Best for :
Couples and families focused on preserving assets and transferring wealth efficiently to future generations.
Variable universal life insurance policies include access to important investment and performance-related information.
Variable universal life insurance is a permanent life insurance policy that combines lifelong coverage with investment-based cash value opportunities.
A portion of your premium helps fund your insurance coverage, while another portion may be allocated into investment options that can grow over time.
Yes. Cash value may grow based on the performance of the selected investment options within the policy.
Variable universal life insurance offers flexibility to adjust premiums, coverage amounts, and investment allocations within policy guidelines.
Because policy cash value is tied to market-based investments, performance may fluctuate depending on investment conditions and market activity.
Variable universal life insurance may offer tax-advantaged growth opportunities and tax-efficient wealth transfer strategies, subject to applicable laws and regulations.
Feature | Variable Universal Life | Universal Life | Whole Life | Term Life |
Lifetime Coverage | Yes | Yes | Yes | No |
Flexible Premiums | Yes | Yes | No | Limited |
Cash Value Growth | Market-Based | Fixed/Indexed | Guaranteed | No |
Investment Options | Yes | Limited | No | No |
Adjustable Coverage | Yes | Yes | No | No |
Market Growth Potential | High | Moderate | Limited | None |
Xolo Insurance
447 Broadway, 2nd Floor
New York, NY 10013
United States