Venture VUL Accumulator^®

Variable Universal Life Insurance

Variable Universal Life Insurance with 
Potential Earning Power

Target the retirement planning market with the Venture VUL Accumulator, a life insurance product designed to provide your clients with the protection of life insurance along with  potential cash values and retirement income.

• Life Insurance with Potential Cash Value and Income
• Ideal for Long-Term Accumulation Sales
• Investment Options for Every Client
• Flexible Premium Payments and Death Benefit Options
• Tax Deferred Growth of Policy Values

Attracting clients seeking life insurance between 35 – 55 years of age, the Venture VUL Accumulator presents the potential to:

• Grow retirement savings to supplement tax qualified investments (IRA, 401k)
• Meet your client´s retirement goals like purchasing a vacation home, funding children’s education or traveling

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

Click here for prospectus.

Accumulator is approved in all states.

View and download:

Venture VUL Accumulator Client Guide

To learn more about Venture VUL Accumulator 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.

¹20-Year No-Lapse Guarantee is automatically included with Venture VUL Accumulator. This guaranteed product feature is dependent upon the claims-paying ability of The Manufacturers Life Insurance Company (U.S.A), and in no way guarantees the performance of the underlying funds or principal value of the separate account. Duration of benefit may be shorter in some states. In Illinois, the No-Lapse Guarantee is called Death Benefit Protection.

²Preferred 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.

Loans and withdrawals will reduce the death benefit, cash surrender value, and may cause the policy to lapse. Lapse or surrender of a policy with a loan may cause the recoginition of taxable income. Policies classified as modified endowment contracts may be subject to tax when a loan or withdrawal is made. A federal tax penalty of 10% may also apply if the loan or withdrawal is taken prior to age 591/2. Cash value available for loans and withdrawals may be more or less than originally invested. Withdrawals are available in the second policy year.