How often can policyholders adjust their investment options in a VUL policy?

In a Variable Universal Life (VUL) policy, policyholders have the flexibility to adjust their investment options as frequently as the terms of the policy allow. This characteristic is one of the key features of VUL insurance, catering to policyholders who may wish to respond to market changes or personal financial circumstances. Unlike other types of life insurance that may have stricter investment options, VUL policies are designed to offer this level of adaptability, enabling policyholders to potentially manage their investments in alignment with their financial goals effectively.

This flexibility allows individuals to take advantage of different investment vehicles available within the policy, such as stocks, bonds, or money market funds, and they can make changes more frequently than once a year or at fixed intervals. Therefore, the ability to adjust investments is central to the operational framework of VUL policies and is a significant advantage for those looking to take an active role in managing their insurance and investment strategies.