ASSESSMENT 01
Financial Planning / Insurance
Variable Universal Life Insurance (2026)
Variable universal life insurance—usually referred to simply as VUL—combines features of two relatively new and important life insurance products: variable life insurance and universal life insurance. In…
3 creditsRecommended continuing education
QAS Self-StudyLearn on your schedule
12 chaptersA structured learning path
6 exams listedReview assessment options below
01 THE BIG PICTURE
A closer look
at this course.
Variable Universal Life Insurance examines the key features of VUL products, including their flexible premiums, adjustable coverage, expense and mortality charges and death benefit options.
02 LEARNING WITH PURPOSE
What you’ll
take away.
10 learning objectivesUpon completion of the course, the student should be able to:
Describe the flexibility of variable universal life insurance premiums and the adjustability of its death benefit;
Compare and contrast variable universal life death benefit Option A, B and C;
Explain the applicable variable universal life expense and mortality charges;
Calculate variable universal life coverage, net amount at risk, cash value and mortality charges;
Understand variable universal life transactions, premiums, surrenders, loans and withdrawals;
Discuss the special VUL policyowner rights;
Explain the tools available to a VUL policyowner to manage cash value volatility;
Identify the basic VUL variable subaccounts and the risks normally found in various classes of investments;
Apply the FINRA guidelines with respect to VUL suitability; and
Identify variable universal life suitability factors.
03 YOUR LEARNING PATH
One chapter
at a time.
01Chapter 1 - Variable Universal Life Insurance
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Open lesson in student portal02TOPIC Universal Life Insurance
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Open lesson in student portal03Chapter 2 - Variable Universal Life Insurance
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Open lesson in student portal04TOPIC Variable Life Insurance
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Open lesson in student portal05Chapter 3 - Variable Universal Life Insurance
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Open lesson in student portal06TOPIC Variable Universal Life Insurance
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Open lesson in student portal07Chapter 4 - Variable Universal Life Insurance
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Open lesson in student portal08TOPIC VUL Suitability
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Open lesson in student portal09Appendix A - Variable Universal Life Insurance
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Open lesson in student portal10Appendix B - Variable Universal Life Insurance
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Open lesson in student portal11Appendix C - Variable Universal Life Insurance
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Open lesson in student portal12Appendix D - Variable Universal Life Insurance
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Open lesson in student portal04 YOUR STUDY RESOURCES
Everything in
its right place.
Course materials and resource information, together in one place.
Course study materialsStudy resources may be included inside the enrolled course lessons.
Open course study area Materials, license & usage information
Copyright 2026 by Winn Publications ALL RIGHTS RESERVED. NO PART OF THIS COURSE MAY BE REPRODUCED IN ANY FORM OR BY ANY MEANS WITHOUT THE WRITTEN PERMISSION OF THE COPYRIGHT HOLDER. All materials relating to this course are copyrighted by Winn Publications. Purchase of a course includes a license for one person to use the course materials. Absent specific written permission from the copyright holder, it is not permissible to distribute files containing course materials or printed versions of course materials to individuals who have not purchased the course. It is also not permissible to make the course materials available to others over a computer network, Intranet, Internet, or any other storage, transmittal, or retrieval system. This document is designed to provide general information and is not a substitute for professional advice in specific situations. It is not intended to be, and should not be construed as, legal or accounting advice which should be provided only by professional advisers. No advance preparation needed Program Level - Basic Program prerequisites - None Delivery method - QAS self-study Recommended CPE credits - 3 Recommended field of study - Insurance/Financial Planning/Ethics
05 PUT YOUR KNOWLEDGE TO WORK
Your course
assessments.
Review the exams listed for this course. Take your assessments in the student portal. Follow this course’s exam completion requirements.
ASSESSMENT 02
Chapter 2 Review - Variable Universal Life Insurance
MyCECentral enrollment requiredView exam detailsASSESSMENT 03
Chapter 3 Review - Variable Universal Life Insurance
MyCECentral enrollment requiredView exam detailsASSESSMENT 04
Chapter 4 Review - Variable Universal Life Insurance
MyCECentral enrollment requiredView exam detailsASSESSMENT 05
Final Exam A - Variable Universal Life Insurance
MyCECentral enrollment requiredView exam detailsASSESSMENT 06
Final Exam B - Variable Universal Life Insurance
MyCECentral enrollment requiredView exam details06 BEFORE YOU BEGIN
The details
that matter.
- Program level
- Basic
- Program prerequisites
- None
- Delivery method
- QAS Self-Study
- Recommended CPE credits
- 3
- Recommended field of study
- Insurance/Financial Planning/Ethics
- Education type
- insurance_ce
- State
- CA
- Insurance CE credits
- 1.00
- Eligible states
- AZ, UT, TX, PA, MD, MA, GA, DE, DC, CT, CA, VA
Requirements & course notices
No advance preparation needed
Confirm that this course meets your individual professional and licensing requirements before enrolling. Review the course information and contact our team if you need guidance.
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