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What is VUL Policies: Regulation and Risks about?

This document discusses variable universal life (VUL) insurance policies, which combine insurance and investment components. It analyzes whether VUL policies constitute a security that should be regulated by the Securities and Exchange Commission or an insurance product regulated by the Insurance Commission. The document also examines the regulations and jurisprudence regarding hybrid financial products in the Philippines and other countries. It aims to determine if the traditional regulatory approach needs

Author

Leonard Pua

Language

EN