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Life Insurance Life insurance is most commonly used to help protect your family from any financial effects of your andor your spouse39s death. Protect your family39s financial wellbeing with life insurance which can pay a death benefit to help replace a lifetime of your loved one39s lost earning potential. A hallmark of variable universal life insurance VUL is flexibility. In addition to death benefit protection VUL offers the ability to allocate among purely marketdriven and guaranteed investment options.