Variable Universal Life Insurance

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1 A Flexible Approach to Life s Challenges Variable Universal Life Insurance Variable Annuities offered by: Western Reserve Life Assurance Co. of Ohio MS

2 What are your financial goals in life? Pay off your mortgage Pay for children s college education Retire with financial security Protect your business

3 Are your goals at risk? Your financial goals may be affected if you pass away unexpectedly.

4 A VUL can help you meet your goals A Variable Universal Life Policy (VUL) is a popular form of life insurance that combines company guaranteed death benefits and all the tax advantages of life insurance with the investment advantages of managed money. Any guarantees associated with a VUL are based on the claims paying ability of WRL and do not apply to the performance or safety of the investment options.

5 A VUL can provide A Federal income tax-free death benefit Help with college planning Protection for your business A supplement to your retirement income Money to help pay off your existing mortgage Growth Potential through Investment Options* *Both the principal value and return of VUL subaccounts will fluctuate over time so units, when redeemed, may be worth more or less than the original cost.

6 Tax Advantages of a VUL Tax-free death benefit Tax-free transfers Tax-advantaged loans Tax-deferred growth potential

7 Additional advantages of a VUL 1. Take a policy loan and/or withdrawal from your life insurance policy s cash value. 2. Skip one or more premium payments. 3. Take advantage of equity market potential.

8 1. Loans and Withdrawals Distributions can be taken through tax-free loans and withdrawals, subject to limitations.* These distributions can Help you fund your child s education Pay off your mortgage early Provide an income supplement for retirement And much more *Distributions such as loans and withdrawals will reduce the cash value and death benefit and loans will be charged interest. Withdrawals may cause a policy to lapse. If a policy lapses while a loan is outstanding, adverse tax consequences may result. If the policy is treated as a modified endowment contract (MEC) by IRC Sec. 7702A, loans are taxable when taken to the extent of gain then in the policy and may also be subject to a 10% federal income tax penalty if distributions are taken prior to age 59 1/2. Benefit reductions, including those due to withdrawals during the first 15 policy years may be taxable, even if the policy is not a MEC. Please consult your tax advisor regarding your particular situation. Please see the prospectus for details.

9 2. Premium Payment Flexibility Premiums can be: Increased or Decreased Made more or less frequently Skipped Stopped altogether Subject to the following limitations: The No lapse Guarantee is in effect and the minimum no lapse premium requirements are met or the net surrender value is sufficient to cover the monthly deduction. If a policy lapses, adverse tax consequences may result. If no lapse premiums are not paid, then fluctuations in performance and/or policy charges may require the payment of additional premiums to keep the policy in force.

10 3. VUL Investment Options Investment advantages of managed money: Professional money managers Risk/Reward Balance Diversification Portfolio Selection Both the return and principal value of VUL subaccounts will fluctuate over time so units, when redeemed, may be worth more or less than the original cost.

11 Start today, ask yourself these questions How much life insurance do I need? What is my risk tolerance? What time horizon do I have? What are my long-term financial goals? What are my retirement goals? Is my business protected against my loss or that of another key employee?

12 Important Information Variable universal life insurance is a long-term product that provides both a federal tax-free death benefit and an investment element. There are many fees and charges associated with variable life insurance, such as cost of insurance, mortality and expense charges, per unit charges, premium taxes and contract charges, surrender charges and charges associated with the investment options.

13 Western Reserve Life Assurance Co. of Ohio Home Office: Columbus, Ohio Administrative Office Address: P.O. Box 5068 Clearwater, Florida Customer Service: Distributor: AFSG Securities Corporation Please contact WRL at or your financial professional for a prospectus that contains complete information about variable universal life insurance (VUL) including fees, investment objectives, surrender charges, risks, expenses, performance information and other important information about the VUL. Please carefully consider all these important factors and read the prospectus carefully before investing. VUL subaccounts are subject to market risk and may lose value. MS /06

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