Securian Financial announced enhancements to Variable Universal Life (VUL) Defender®, its protection-focused VUL insurance product designed to help financial professionals build protection strategies for clients living longer lives.
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The newest iteration of VUL Defender maintains one of the most competitive guaranteed death benefits in the market today while delivering meaningful enhancements—including competitive premiums, stronger cash value potential and greater flexibility.
With Americans living longer,¹ Securian is also challenging financial professionals to rethink traditional assumptions about life expectancy and consider whether the life insurance protection they recommend is designed to last as long as their clients may need it.
“Life expectancy has evolved, and the way we help clients plan needs to evolve with it,” said Ben Roth, Securian Financial head of life & annuity product development. “Permanent life insurance is often purchased with a very long-term objective—to provide protection and ultimately leave a legacy. If that’s the goal, financial professionals should ask themselves a simple question: Is the protection strategy guaranteed to last as long as the client might? We believe securing a no-lapse guarantee to age 100 and beyond leads to a better planning conversation and offers clients peace of mind that they should not be dealing with a potential coverage lapse when they’re least able and prepared to do so.”
When Securian launched the original VUL Defender in 2015, the product was built around a straight-forward proposition: providing one of the most competitive guaranteed death benefits in the market.
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