We currently offer two strategies for Variable Universal Life products, one conservative and the other aggressive.
We are able to employ our strategies within a variety of products at a wide selection of Variable Universal Life custodians. To learn more about a strategy and which products we are able to manage, click on the name of the strategy.
The objective of the Risk Managed Variable Universal Life (VUL) strategy is to reduce portfolio risk and overall loss while seeking to achieve superior returns to its benchmark over a complete market cycle.
To accommodate this more conservative approach, the Risk Managed VUL is typically invested in 5 to 10 positions from a broad universe of domestic and international equities, and will employ money market/cash or short* mutual fund positions during adverse market conditions. This strategy cannot be net short in the portfolio.
The Risk Managed VUL can be fully invested, partially in cash, completely in cash, or even partially short as a hedge against existing long positions.
While the Risk Managed VUL may limit the overall losses suffered during major market declines, it may also limit returns in advancing markets.
Risk Managed is our most conservative strategy emphasizing capital preservation over investment return.
Risk Managed Variable Universal Life Custodians:
Manulife
Hartford
John Hancock
Security Life of Denver
To view the performance of Risk Managed Variable Universal Life, click here.
*VA and VUL investment choices vary by product. Short positions, if available, may be utilized.
The objective of the Dynamic Variable Universal Life (VUL) strategy is to exploit intermediate trends in global markets by being fully invested in domestic and international equities. As a result, the Dynamic VUL takes an aggressive approach, seeking to out-perform its benchmark over a complete market cycle.
The Dynamic VUL is typically allocated into 5 to 10 positions from a broad universe of domestic and international equities, encompassing a variety of asset classes and sectors.
The Dynamic VUL is a high-risk strategy emphasizing investment return over capital preservation by keeping portfolio assets actively invested at all times.
Dynamic Variable Universal Life Custodians:
Pacific Life
Manulife
Security Life of Denver
To view the performance of Dynamic Variable Universal Life, click here.
