Risk Tolerance For Various Life Insurance Products

No-Lapse Universal Life

– Conservative 

-“Intolerant of volatility and seeks guarantees”

Participating Whole Life

– Moderate /Conservative

-“Intolerant of volatility and seeks guarantees. Willing to pay higher premium for upside potential.”

Traditional Universal Life

– Balanced

-“Tolerant of modest volatility and willing to accept fewer guarantees in favor of premium flexibility.”

Indexed Universal Life

– Moderate /Aggressive

-“Tolerant of higher volatility and willing to accept fewer guarantees in favor of premium flexibility and cash value accumulation potential.”

Variable Universal Life

• Aggressive
• “Tolerant of volatility and willing to do without any guarantees in favor of premium investment opportunity.”

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