Excel Performance VUL

Smart planning involves protecting your beneficiaries as well as saving for your future dreams. Both goals are important but, too often, you’re forced to choose. Variable universal life insurance is designed to help you accomplish both goals with one product and tailor it to fit your needs.

Protect What’s Important
First and foremost, Excel Performance VUL is a variable universal life insurance policy issued by The Union Central Life Insurance Company with a death benefit— a valuable resource for your family, business associates or other beneficiaries if you should die prematurely. It can help give you assurance to know that when you die, Excel Performance VUL will provide the income-tax-free money your beneficiaries need—just when they need it most.

Plan for Your Future
Excel Performance VUL doesn’t just provide protection. With variable universal life insurance a portion of each of your premium payments can be invested in your choice of tax-favored investment options. These portfolios are managed by respected names in the mutual fund industry. Of course, investing does include the risk of loss, including principal. Excel Performance VUL provides free investment management tools, which can make it easier to evaluate, select, and manage your investment options.

As a life insurance policy, Excel Performance VUL’s purpose is to protect your beneficiaries by providing a death benefit when it’s needed most. But if you experience investment growth, Excel Performance VUL can also provide money for a variety of financial goals. Withdrawals or loans will reduce the policy’s cash surrender value and death benefit and excessive loans or withdrawals may cause the policy to lapse.

Make Your Policy Right for You
Life insurance can be a sophisticated financial tool. Working together, you and your representative may be able to tailor your policy to help meet your important goals. A range of riders may be added to your policy to customize your coverage.

Getting Started
For more information about Excel Performance VUL and the complete cost of a policy, contact your Union Central Representative who can help you decide if Excel Performance VUL is right for you. The product brochure also provides more information.

Excel Performance VUL (Form 8713NY) is a variable universal life insurance policy issued by The Union Central Life Insurance Company in New York. It is underwritten by its affiliate Ameritas Investment Corp. Excel Performance VUL is subject to investment risk, including possible loss of principal. Before investing, carefully consider the investment objectives, risks, charges and expenses, and other important information about the policy issuer and underlying investment options. This information can be found in the policy and investment option prospectuses. You can obtain copies on this website or by calling 800-319-6902. Read the prospectuses carefully before investing.

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