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The document is a prospectus for Lincoln VULCV, a Variable Universal Life Insurance policy offered by The Lincoln National Life Insurance Company. It outlines the features, benefits, risks, charges, and fees associated with the policy, which provides death benefits and variable investment options. The prospectus emphasizes the importance of understanding the financial strength of the company and includes details on premium payments, policy values, tax implications, and various riders available to customize coverage. Additionally, it discusses the administrative processes related to policy management and legal considerations.

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We have answers to the most popular questions from our customers. If you can't find an answer to your question, please contact us.

What happens after 10 years of paying sun life insurance?

If you keep your policy in-force for at least ten (10) years, you may be entitled to a loyalty bonus in the form of additional units at the end of the 10th policy year and every five (5) years thereafter.

Can I withdraw money from VUL?

VUL is a type of life insurance designed to provide both death benefit protection and the potential for cash value accumulation. The cash values can be accessed through loans or withdrawals, providing flexibility and financial security.

What happens to a VUL after maturity?

Maturity Benefits: The maturity benefit is a lump-sum amount of money that your insurance company needs to pay you once your VUL plan matures. This means that if you have a 15-year term on your insurance policy, you will only receive your payout once these 15 years are up.

What is the meaning of VUL in life insurance?

A variable universal life (VUL) policy is a type of permanent life insurance policy with a built-in cash accumulation component that allows for the investment of the cash value in available options.

Do you pay taxes on VUL?

Tax and retirement implications With a VUL, the returns earned on any cash-value are tax-free. Moreover, there are no required minimum distributions or RMDs (as with some qualified retirement plans).

Whats better, IUL or VUL?

IUL? That will primarily depend on your risk tolerance and long-term financial strategy. But for the vast majority of people, an indexed universal life insurance policy is the better choice. The fees and higher risk of VUL policies dont make sense for how volatile the stock market is becoming.

How does VUL life insurance work?

Variable universal life insurance policies build cash value from the premium amounts that remain after costs of insurance and administrative costs are paid. Because the cash value is invested in stock, bond, and money market investment options, it will be affected by market fluctuations.

What is the downside of variable universal life insurance?

While you may experience better than average cash-value growth with a VUL, you could also experience a decrease of your cash-value due to poor performance of your investment options. VUL is more complex than most other forms of life insurance and should be monitored closely throughout the life of the policy.

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