Variable Universal Life Insurance

Variable Universal Life Insurance

Love the protection, but you’re willing to take a chance to build a little more cash value?  We’d like to introduce you to variable universal life (VUL) insurance. VUL insurance combines the protection and tax efficiencies of life insurance with the investment potential of a selection of variable investment options. The insurance component provides the death benefit coverage and the variable component gives you the flexibility to potentially increase the policy's cash value. It’s a little more risky than some insurance alternatives, but the opportunity is also greater.

Variable insurance products are subject to market and investment risk, account growth cannot be guaranteed and it will change in value. In addition, there is a possible loss of the principle amount invested. Variable investment options are available only as investment options in variable universal life insurance policies issued by life insurance companies. They are NOT directly offered or made available to the public.

Call an ING Insurance Professional to help determine if Variable Universal Life Insurance makes sense for you and your family:


ING Life Companies' Variable Universal Life Product Details

The ING Life Companies offer the following variable universal life insurance products:

ING Variable Universal Life-CV

Browse our ING Variable Universal Life-CV Buyer's Guide to learn more about our variable universal life insurance:
ING Variable Universal Life - CV Buyer's Guide

Product Prospectus / Performance are also available for download:

Before investing, carefully consider your need for life insurance coverage and the charges and expenses of the variable universal life insurance policy. Also consider the investment objectives, risks, fees, and charges of each underlying variable investment option. This and other information is contained in the prospectuses for the variable universal life insurance policy and the underlying variable investment options. Obtain these prospectuses from your registered representative, by calling 877-253-5050, or from and read them carefully before investing.

Need help with an ING Life Companies' Life Insurance policy? Call 877-886-5050 for customer service.

Need assistance with an ING Life Companies' Life Insurance claim? Call 888-238-4840 for claims.


Life insurance products are issued by ReliaStar Life Insurance Company (Minneapolis, MN), ReliaStar Life Insurance Company of New York (Woodbury, NY) and Security Life of Denver Insurance Company (Denver, CO). Variable universal life insurance products are distributed by ING America Equities, Inc.  Within the state of New York, only ReliaStar Life Insurance Company of New York is admitted and its products issued.  All are members of the ING U.S. family of companies.