What is VUL?
Expertise. Intuition. Ingenuity.
Variable Universal LIfe
Expert Guidance
Variable universal life insurance (often shortened to VUL) is a type of life insurance that builds a cash value. In a VUL, the cash value can be invested in a wide variety of separate accounts, similar to mutual funds, and the choice of which of the available separate accounts to use is entirely up to the policy owner.
The 'variable' component in the name refers to this ability to invest in separate accounts whose values vary—they vary because they are invested in stock and/or bond markets.
The 'universal' component in the name refers to the flexibility the owner has in making premium payments.
VUL Funds
The Path to Success
The Bond Fund is invested only in high-quality fixed-income instruments that are classified as below average risk.
Better returns.
Unlike traditional savings that usually provide fixed interest rates, investment in bonds fully maximize the interest earning potential of your investment.
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Equity Fund is designed to generate long-term capital appreciation by investing in high-quality equities diversified across sectors.
Enjoy long-term capital appreciation
The Equities market offers the highest potential rate of return compared to other asset classes. The value of equities rise and fall quickly over the short term, but historically they perform better over the long-term than other types of securities
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The Balanced Fund is designed to provide optimum returns consisting of current income and capital growth through investment in a mix of debt (bonds) and equity (stocks) securities from both domestic and foreign issuers.
Achieves a diversified portfolio with low minimum investment.
It is estimated that it would take a minimum of Php 5 Million in individual investments to provide an appropriate measure of diversification in a portfolio. With the Balanced Fund, the benefits of full diversification could be achieved by pooling individual investments from investment-linked life insurance policyholders.
Money Market Fund is designed to ensure capital protection and provide adequate liquidity while maximizing yields on short-term placements.
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More of VUL Funds
A Comprehensive Approach
The Growth Plus Fund aims to maximize returns through a combination of long-term capital growth and current income by investing in a portfolio of high-quality Philippine listed equity and equity-linked securities that yield dividends.
The Captains Fund lets you take part in the success stories of the industry captains and lets you enjoy the following benefit:
Access to the captains’ fortunes
Benefit from the success stories of the country’s strongest and wealthiest market players without having to put in a big capital or spend significant amount of time tracking various portfolios.
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The Index Fund tracks the performance of the benchmark PSEi, mainly by investing in listed equities that are a part of the PSEi, in such proportion that the performance of the Fund will match that of the PSEi.
Upside earning potential
Benefit from the Philippines’ economic growth potential by investing in a basket of stocks that track the performance of the country’s largest and most stable corporations that comprise the PSEi.Affordable and easy access to the Philippines’ largest corporations in the Philippine Stock Exchange index (PSEi)
Have the opportunity to invest in the country’s biggest corporations without the need to shell out a huge amount of money or spend too much time tracking your investments.
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