Insular Life's VUL products may be placed in any of the following funds depending on your investment objective and risk appetite:
Peso-denominated Funds
Equity Fund - seeks to provide an individual with long-term total return and capital appreciation by investing in dividend paying shares of local companies, across all sectors of the market listed in the Philippine Stock Exchange, as a representation of the domestic economy.
Growth Fund - seeks to provide an individual with a vehicle for long-term growth and capital appreciation by targeting companies in specific sectors listed in the Philippine Stock Exchange, with the potential to outperform the domestic economy.
Select Equities Fund - seeks to provide long-term portfolio growth and capital appreciation by primarily investing in ten (10) of the most liquid and well-capitalized dividend paying stocks listed in the Philippine Stock Exchange.
Guardian Fund - an actively managed fund that seeks to provide long-term portfolio growth and capital appreciation by initially investing in ten (10) companies deemed to be the next set of the most liquid and well-capitalized dividend paying stocks listed in the Philippine Stock Exchange.
Balanced Fund - invests in government securities, bonds issued by, and term loans extended to, prime Philippine corporations, and short-term money market instruments, and in prime rated stocks that are listed in the Philippine Stock Exchange.
Fixed Income Fund - seeks to provide long-term capital preservation from stable and predictable interest payments. This Fund invests in bonds and notes issued by the Philippine government and prime-rated corporations and in short-term money market instruments.
Money Market Fund - seeks to provide policyholders with a parking facility to invest their excess funds in a diversified portfolio of highly liquid and less volatile investment securities that aim to preserve the principal invested and at the same time deliver yields relatively higher than the regular saving rate.
Dollar-denominated Funds
Peso Global Equity Fund - seeks to achieve long-term growth and capital appreciation by investing majority of its assets in instruments with principal exposure in income producing equity securities in markets throughout the world.
Dollar Fixed Income Fund - seeks to achieve capital appreciation in US dollar terms over a medium to long-term period by investing in a diversified portfolio of US dollar denominated fixed income instruments issued mainly by the Philippine government and prime corporations.
Dollar Money Market Fund - seek to provide policyholders with a parking facility to invest their excess dollar funds in a diversified portfolio of highly liquid and less volatile investment securities that aim to preserve the principal invested and at the same time deliver yields relatively higher than the regular saving rate.