Survivorship Variable Universal Life Insurance

The Choice Your Clients Need to Protect Their Future

No matter what the future holds, the affordability and no-lapse guarantees plus growth potential of Venture Survivorship VUL, a second-to-die life insurance product, give your clients the control they need to secure all that they've worked so hard to build. Venture Survivorship VUL is for clients who are looking for:

• Affordable Life Insurance with Secondary No-Lapse Guarantees up to a lifetime¹
• Wealth Transfer or Business Planning Need for Second-to-Die Life Insurance
• Tax-Deferred Growth of Potential Policy Cash Values
• Flexible Premium Payments and Death Benefit Options
• Income Tax Free Death Benefit²
• The Ability to Respond to Changes in Their Personal Circumstances

Help your clients meet their needs with these Venture Survivorship VUL competitive advantages:

• Life Insurance with Competitive Premium Solves (both solve-to$1 and solve-to-endow)
• 20-Year No-Lapse Guarantee
  (NLG)¹
• Extended No-Lapse Guarantee to Age 100 (ENLG)¹
• Age 100 Advantage
• Estate Preservation Rider
• Policy Split Option
• Choice of Some of the Nation’s Leading Asset Managers and a Broad Array of Investment Options
• Quit Smoking Incentive³

Variable life insurance has annual fees, life insurance related charges and investment management fees associated with it. 

Venture Survivorship VUL is ideal for meeting your clients' wealth transfer or business planning needs.

Click here for prospectus.

Venture Survivorship VUL is approved in all states.

View and download:

Venture Survivorship VUL Client Guide

To learn more about Venture SVUL features and riders, or to access sales sheets and other sales tools, please click here.

Variable life insurance has annual fees and expenses associated with it.  In addition, variable life insurance has both life insurance related charges and investment management fees.

Please contact 1-888-266-7498, option 2 to obtain a prospectus or if you are interested in obtaining a selling agreement with Manulife Financial Securities LLC. The prospectus contains complete details on investment objectives, risks, fees, charges and expenses as well as other information about the investment company which should be considered carefully. Please advise your clients to read the prospectus carefully prior to investing. The prospectus contains this and other information on the product and the underlying portfolios. Product and/or product features may not be available in all states.

Venture variable life insurance products are issued by The Manufacturers Life Insurance Company (U.S.A.) (Manulife USA) and distributed by Manulife Financial Securities LLC through other broker/dealers appointed by Manulife Financial Securities. Manulife USA and Manulife Financial Securities are members of the Manulife Financial group of companies, wholly owned subsidiaries of Manulife Financial Corporation.

¹The 20-Year No-Lapse Guarantee is automatically included with the Venture Survivorship VUL. During this period the policy will be in effect as long as the Cumulative No-Lapse Guarantee Test is met. The Extended No-Lapse Guarantee requires an additional cost. These guaranteed product features are dependent upon the claims paying ability of The Manufacturers Life Insurance Company (U.S.A.) and in no way guarantee the performance of the underlying funds or principal value of the separate account. Duration of the 20-Year No-Lapse Guarantee may be less at older ages. In Illinois, the No-Lapse Guarantee is called Death Benefit Protection.

² Life insurance death benefit proceeds are generally excludable from the beneficiary's gross income for income tax purposes. There are a few exceptions such as when a life insurance policy has been transferred for valuable consideration. No legal, tax or accounting advice can be given by Manulife Financial, its agents, employees or registered representatives. Prospective purchasers should consult their professional tax advisor for details.

³ Preferred and standard smokers will be charged standard non-smoker cost-of-insurance rates during the first three policy years. If the insured quits smoking for at least 12 months and provides evidence of quitting, the insured will be charged standard non-smoker cost-of-insurance rates permanently.