Funds for Emergencies
Your cash value growth is on an income tax-deferred basis. You may access cash values through tax-free withdrawals (within certain limits) or policy loans should you need funds for emergencies assuming certain premium limits are adhered to.  (Withdrawals and loans will reduce the policy's cash value and death benefit.)
Mortgage Pay-Off Acceleration
If you'd like to reduce your mortgage interest payments overall, Equity Advantage VUL's cash accumulation feature can help you accelerate your payments and pay off your mortgage balance earlier than you anticipated.

Funding Children's Education 
Equity Advantage VUL allows you to choose which investment divisions you want your premiums allocated to, so you can custom tailor a plan to help fund your children's education. When those college years arrive, you may access the cash value through tax-free withdrawals (within certain limits) or policy loans to help pay for college costs assuming certain premium limits are adhered to.  (Withdrawals will reduce the policy's cash value and death benefit.)

Retirement Planning
You will generally need 70-80 percent of your income when you retire in order to maintain your current standard of living - in 2002, the average Social Security check for those age 65 or older was just $1,050 per month^1. Equity Advantage VUL can give you the security to know that as long as a guarantee is in effect, your cash value will be there to help toward this important goal.