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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 contract owner.
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Universal life insurance (often shortened to UL) is a type of cash value [1] life insurance, sold primarily in the United States.Under the terms of the policy, the excess of premium payments above the current cost of insurance is credited to the cash value of the policy, which is credited each month with interest.
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VALIC ranks in the top 10 of all U.S. and Canadian life insurance companies, [citation needed] based on more than $86 billion in total customer assets under management as of December 31, 2014. The company is a certified member of the Insurance Marketplace Standards Association (IMSA).
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