How can policyholders monitor the performance of their VUL investments?

Policyholders can effectively monitor the performance of their Variable Universal Life (VUL) investments through annual statements and online account access provided by the insurance company. This method offers a comprehensive look at the account's performance over time, allowing policyholders to review not only the cash value of their policy but also the performance of the investment options they have selected within the VUL.

Annual statements detail the overall growth, premiums paid, cost of insurance, and any policy loans or withdrawals. Additionally, online account access enables real-time tracking of the investments, providing updates on how various funds and indexes are performing. This access can help policyholders make informed decisions about their investments and adjust their strategy as necessary, ensuring they can stay aligned with their financial goals.

The other options, while they may provide some information, do not offer the comprehensive, up-to-date view that annual statements and online access do. Monthly statements from a bank would typically not provide insights specific to the VUL account. Making phone calls to the insurance company may lead to personalized information, but it's less efficient than accessing a centralized online platform. Consulting with stock brokers can be beneficial for advice, but it does not directly provide the specific performance metrics related to the policyholder's VUL investments.