What is a variable insurance trust Growth Trust Individual Annuities College savings Group annuities Life insurance Investments Retirement Rollover Safe-access accounts Travel insurance Financial Professional Annuities College savings Life insurance Investments Retirement Plan Sponsor Retirement / TPA Retirement NVIT Funds are offered exclusively through Nationwide variable annuity and variable life insurance products. It allows policyholders to have a flexible insurance policy that can also grow their wealth over time. Securities and Exchange Commission, open-end mutual funds and ETFs will transmit tailored annual and semiannual reports to shareholders that highlight key information deemed important for retail investors to assess and monitor their fund investments. Read the prospectus carefully before investing. Both prospectuses should be read carefully and retained for future reference. The Portfolio is only available as a funding vehicle under variable life insurance policies or variable annuity contracts issued by insurance companies (“Variable Contracts”). The trustee provides multiple options and the beneficiary can choose which policy they want to purchase based on their individual needs and preferences. Sep 24, 2020 · The separate accounts hold shares of the Funds, which serve as investment allocation options under variable life insurance policies or variable annuity contracts ( Variable Contracts ) that are issued by Nationwide Life and other Participating Insurance Companies. Oct 31, 2025 · GOLDMAN SACHS VARIABLE INSURANCE TRUST MID CAP VALUE FUND INSTITUTIONAL- Performance charts including intraday, historical charts and prices and keydata. these assumptions. The long-term Before purchasing any variable product, consider the objectives, risks, charges, and expenses associated with the underlying investment option (s) and those of the product itself. Shares of JHVIT are not offered directly to the public but are sold only to insurance companies and their separate accounts as the underlying investment option for variable annuity and variable life insurance contracts (“variable contracts Mar 13, 2023 · A life insurance trust is a fiduciary arrangement whose main purpose is to own a contract that matures when the insured passes away. PIMCO and PIMCO Investments is solely responsible for its content Oct 31, 2025 · The information contained in this section pertains to the Funds which comprise the MFS® Variable Insurance Trust. The insurance companies invest in shares of the Portfolios in accordance with instructions received from owners of variable life insurance or annuity contracts. Shares of the Fund are currently offered only to separate accounts that fund variable annuity and variable life insurance con-tracts (“variable accounts”) of The Lincoln National Life Insurance Company, its affiliates Jan 10, 2024 · As part of estate planning, an irrevocable life insurance trust or ILIT is a trust that holds onto your life insurance policy and shields it from adding to your taxable estate. Differences in portfolio size, investments held, contract and portfolio expenses, and other factors can be expected to affect performance. Jan 17, 2024 · Key takeaways An Irrevocable Life Insurance Trust (ILIT) is a type of trust that holds one or more life insurance policies and provides certain advantages. Here's what you need to know about how it works. Oct 14, 2025 · Variable life insurance is a permanent life insurance policy with a cash value component that offers investment options. Investments are made in mutual funds or mutual-fund-type accounts offered by the particular annuity. In the case of the American Portfolios and the Lifestyle Portfolios, in addition to the operating expenses which the portfolio bears directly, the portfolio indirectly bears a pro rata share of the operating expenses of VIT VARIABLE INSURANCE TRUST PORTFOLIOS The TOPS® ETF Portfolios and TOPS® Managed Risk Portfolios are Variable Insurance Trust (VIT) Portfolios and are offered through variable annuities and variable life insurance in more than 15 different insurance platforms. Oct 21, 2025 · JESTX | A complete John Hancock Variable Insurance Trust Science & Technology Trust Series I mutual fund overview by MarketWatch. 06% 1 Year change -56. Nationwide Fund Advisors (“NFA”) is the Fund’s investment adviser and, subject to the approval of the Board of Trustees of Nationwide Variable Insurance Trust (“the Trust”), selects the Fund’s subadvisers and monitors their performance on an ongoing basis. You cannot purchase Jan 14, 2025 · Variable life insurance (not to be confused with variable universal life insurance) is a type of whole life insurance. The performance data shown in tables and graphs on this page is calculated in USD of the fund/index/average (as applicable), on a Bid To Bid / Nav to Nav basis, with gross dividends re-invested on ex-dividend date. Please consult your variable product prospectus for information about these fees and Charges. Radnor, Pa. One can look at the total percentage change in value, the average annual percentage change, or the growth May 7, 2024 · Nine American Century Variable Portfolio funds join the Lincoln Variable Insurance Products (LVIP) Trust. Nationwide Funds distributed by Nationwide Fund Distributors LLC (NFD), member FINRA, Columbus, Ohio. Like with all Sep 5, 2024 · Portfolio Management Discussion and Analysis Below, the Goldman Sachs Money Market Portfolio Management Team discusses the Goldman Sachs Variable Insurance Trust — Goldman Sachs Government Money Market Fund’s (the “Fund") performance and positioning for the 12-month period ended December 31, 2023 (the “Reporting Period”). Past performance is not necessarily a guide to future performance; unit prices may fall as well as rise. The Funds are not FDIC-Insured, are not guaranteed by any bank and may lose Feb 19, 2025 · Learn how a life insurance trust can help manage policy ownership, protect beneficiaries, and address tax considerations for long-term financial planning. The peculiar structures of so-called “cash value” policies (more fully described below) that combine both a risk of death payment component and an investment What is a Variable Insurance Trust? A variable insurance trust is an investment structure that provides policyholders with the ability to allocate their premiums among various investment options. 08% of the Distribution and/or Service (12b-1) Fees for Class II shares until April 30, 2026. Access regulatory reports on the Lincoln Variable Insurance Products Trust (LVIP) product. Oct 16, 2023 · Copies of the preliminary prospectus are available online in the SEC’s EDGAR database under the name “Venerable Variable Insurance Trust” at www. ® Variable Insurance Trust variable insurance contract means a contract of life insurance under which the interest of the purchaser is valued for purposes of conversion or surrender by reference to the value of a proportionate interest in a specified portfolio of assets. Each Fund currently offers only Class 3 shares, and only to insurance company separate accounts funding variable annuity contracts and variable life insurance policies and other qualified investors. A variable insurance trust is a type of trust that allows the beneficiary to select from a variety of life insurance policies. With a revocable trust, the grantor can make Variable Insurance Products As disclosed in the current prospectus for your variable product, MassMutual and certain affiliated companies may receive compensation from certain funds or the fund advisers or sub- advisers to certain funds that are available as investment choices within variable annuity and variable life insurance contracts issued by MassMutual and certain affiliates. Certificate Insurance Policy The A variable annuity is designed to help grow savings, on a tax-deferred basis 1, for long term goals like retirement. , May 7, 2024 Lincoln Financial Group (NYSE: LNC) and American Century Investments announced today that they are strengthening their partnership by leveraging American Century's investment expertise and Lincoln Financial's platform to provide additional opportunities and an Prospectus May 1, 2025 LVIP American Preservation Fund (the “Fund”) is a series of the Lincoln Variable Insurance Products Trust (the “Trust”). The Trust currently offers shares to life insurance company separate accounts to fund the benefits payable under variable life insurance policies and variable annuity contracts. Securities and Exchange Commission (“SEC”). Oct 20, 2024 · What is a Variable Annuity? A variable annuity is basically a mutual fund inside a tax-deferred insurance wrapper. Shares of the Fund are currently offered only to separate accounts that fund variable annuity and variable life insurance contracts (“variable accounts”) of The Lincoln National Life Insurance Company, its affiliates, and third-party Aug 6, 2025 · An ILIT is a special trust used to take ownership of life insurance policies for estate-planning purposes. This approach allows you to diversify your estate planning and potentially enhance the financial benefits to your heirs. Prospectus May 1, 2024 LVIP Mondrian Global Income Fund (the “Fund”) is a series of the Lincoln Variable Insurance Products Trust (the “Trust”). Add-on benefits *, available for an extra charge, can also provide protection, guaranteed income for life †, and legacy options. Bothprospectusesshouldbereadcarefullyandretainedforfuturereference. They allow policyholders to allocate funds into different sub-accounts, similar to mutual funds, with returns fluctuating based on market performance. Nationwide Variable Insurance Trust (the “Trust”) and Nationwide Fund Distributors LLC have entered into a written contract waiving 0. It offers more flexibility and options than traditional life insurance plans, without the sales load and surrender charge fees in coverages you would purchase individually. There are several ways to evaluate a portfolio’s historical performance. For a prospectus containing this and other information, contact your investment or insurance professional. sec. Variable annuities allow you to spread your wealth across a wide range of investment options which may help grow your assets, tax-deferred **. These trusts provide a structured way for insurers to manage investments while offering policyholders growth opportunities Dec 1, 2023 · Yes, you can pair a variable insurance trust with other estate planning strategies, such as family limited partnerships or charitable remainder trusts. Nov 13, 2025 · PIMCO VARIABLE INSURANCE TRUST TOTAL RETURN PORTFOLIO ADVISOR CLASS- Performance charts including intraday, historical charts and prices and keydata. Variable Insurance Trust Beginning on July 24, 2024, as required by regulations adopted by the U. To be held on: March 31, 2022 To the shareholders of the Funds, each a series of Nationwide Variable Insurance Trust, a Delaware statutory trust (the “Trust”), and to the owners of variable life insurance policies or variable annuity contracts entitled to give voting instructions to the shareholders of the Funds: Goldman Sachs Multi-Strategy Alternatives Portfolio Goldman Sachs Trend Driven Allocation Fund* * Effective after the close of business on December 31, 2021, the Goldman Sachs Global Trends Allocation Fund was renamed the Goldman Sachs Trend Driven Allocation Fund and changed its principal investment strategy effective after the close of business on January 31, 2022. S. 84% The Nationwide Group Retirement Series includes unregistered group fixed and variable annuities issued by Nationwide Life Insurance Company. In this guide, we will explore the key details of variable insurance trusts, their benefits, and how they work. This prospectus should be read in conjunction with the prospectus of any contract or policy. Prospectuses for variable life and annuity insurance products, in which Guggenheim Investments variable insurance funds serve as underlying investment options, are available directly from individual life insurance companies. See full list on investopedia. As of June 30, 2025, the Trust operates seventy (70) separate series, or mutual funds, each with its own objective(s) and investment strategies. It also includes trust programs and trust services offered by Nationwide Trust Company, FSB. It can be setup by determining trust categories, select beneficiaries, calculating insurance needs, choosing and purchasing life insurance, and transferring ownership with the help of an estate planning attorney. Variable products are issued by Nationwide Life Insurance Company or Nationwide Life and Annuity Insurance Company, Columbus, Ohio. Virtus Variable Insurance Trust (the “Trust”), of which the Series is a separate investment portfolio, has entered into an agreement with the insurance company sponsor of each separate account (participation agreement) setting forth the terms and conditions pursuant to which the insurance company will purchase and redeem shares of the Series. A variable universal life insurance contract, while Nov 6, 2025 · JFIVX | A complete John Hancock Variable Insurance Trust 500 Index Trust Series 1 mutual fund overview by MarketWatch. This type of trust allows for flexibility and customization when it comes to selecting an appropriate life insurance Pacific Investment Management Company LLC (“PIMCO”) is an investment adviser registered with the U. The Example does not reflect fees and expenses of any variable annuity contract or variable life insurance policy, and would be higher if it did. Managing variable insurance trusts requires professional management from an impartial fiduciary. Shares of the Trust are offered to separate accounts of participating life insurance companies for the purpose of funding variable annuity contracts and variable life insurance policies. The Board of Trustees of Goldman Sachs Variable Insurance Trust has approved a change to each Fund s non-fundamental policy to invest at least 80% of its net assets in particular investments ( 80% Policy ). A life insurance policy can protect loved ones while bringing you some much-needed peace of mind and financial benefits. The variable contracts trust consists of separate portfolios, each of which is an investment vehicle for variable annuity and variable life insurance contracts offered by the. You can use life insurance trusts to support your loved ones financially as a thoughtfully structured part of your estate Oct 6, 2025 · An irrevocable life insurance trust (ILIT) is a trust created during an insured’s lifetime that owns and controls a term or permanent life insurance policy. Review Nationwide Variable Insurance Trust Fund literature including fact sheets, holdings, quarterly investment commentary, annual reports and more. Mar 7, 2023 · Variable life insurance is a type of permanent life insurance with a death benefit and cash value account. Insurance Companies means the companies with whom the Insurance Policies are held. PIMCO Investments LLC (“PIMCO Investments”) is a broker-dealer registered with the SEC and member of the Financial Industry Regulatory Authority, Inc. Feb 3, 2025 · A variable annuity allows you to accumulate tax-deferred savings and then receive regular payments during retirement, either for the rest of your life or for a specific time period. PIMCO Variable Insurance Trust (the “Trust”) is an open-end management investment company that includes the PIMCO All Asset Portfolio (the “Portfolio”). Whereas whole life insurance provides fixed rates of return on the account value, at rates determined by the insurance company, variable life insurance provides the policyholder with investment discretion over the account value portion of the policy. Riders that customize a policy to fit individual needs usually carry an additional charge. Policyholders allocate a portion of their premium payments to a variety of investment sub-accounts, similar to mutual funds, which can include stocks, bonds, and money market instruments. The protection strategies employed by some of the Funds in The Lincoln Variable Insurance Products Trust are separate and distinct from any annuity or insurance contract riders or features. However, a term contract may expire before the insured dies, making the trust worthless. (“ FINRA ”). An Insurance Trust is a type of Irrevocable Trust where the Trust assets consist of a life insurance policy. The trust can be revocable (changeable) or irrevocable (mostly unchangeable) and is usually the named beneficiary of the insurance contract. Shares of the Fund are currently offered only to separate accounts that fund variable annuity and variable life insurance contracts (“variable accounts”) of The Lincoln National Life Insurance . Other information, including financial PIMCO Variable Insurance Trust (the “Trust”) is an open-end management investment company that includes the PIMCO All Asset Portfolio (the “Portfolio”). Other information, including financial Life insurance trust is a legal arrangement to distribute policy proceeds bypassing probate and estate taxes through trust owned policy. These investment options can include stocks, bonds, and mutual funds. Shares of the Portfolio are offered exclusively to certain life insurance companies in connection with particular variable life insurance and/or variable annuity contracts they issue. A Word About Variable Products Issued by insurance companies, variable annuity and variable life insurance contracts allow investors to accumulate money on a tax deferred basis for long-term financial goals. Please contact the applicable life insurance company directly for information about variable life and annuity products. Nov 3, 2025 · Discover the key benefits of an irrevocable life insurance trust (ILIT), including tax minimization, asset protection, and managing estate distribution effectively. ILITs allow you to leverage the annual gift tax exclusion by using gifts to pay premiums on the Prospectus Supplement John Hancock Variable Insurance Trust (the Trust) Disciplined Value International Trust Health Sciences Trust Small Cap Value Trust (each a fund) Supplement dated December 12, 2024 to the current Prospectus, as may be supplemented (the Prospectus) Group Variable Universal Life (GVUL) Insurance AICPA-endorsed Group Variable Universal Life is issued by The Prudential Insurance Company of America (Prudential). The general distributor is Nationwide Investment Services Corporation (NISC), member FINRA. As a shareholder of a portfolio of John Hancock Variable Insurance Trust, you incur ongoing costs, such as management fees, distribution (Rule 12b-1) fees and other expenses. Dec 9, 2024 · Variable life insurance combines the long-term protection of a permanent life insurance policy with an investment component, allowing policyholders to potentially grow their cash value based on Read the prospectus to learn important information about each annuity including fees, expenses, investment options, and more. This prospectus should be read in conjunction with the prospectus of any contract or policy. That means you can invest your Dec 12, 2024 · JOHN HANCOCK VARIABLE INSURANCE TRUST Prospectus Supplement John Hancock Variable Insurance Trust (the Trust) Small Cap Value Trust (the fund) Supplement dated December 12, 2024 to the current Summary Prospectus, as may be supplemented (the Summary Prospectus) IMPORTANT NOTICE REGARDING CHANGE IN INVESTMENT POLICY Prospectus May 1, 2025 LVIP Fidelity Institutional AM®Select Core Equity Managed Volatility Fund (the “Fund”) is a series of the Lincoln Variable Insurance Products Trust (the “Trust”). John Hancock Variable Insurance Trust 200 Berkeley Street, Boston, Massachusetts 02116 John Hancock Variable Insurance Trust (ªJHVITº or the ªTrustº) is an open-end management investment company, commonly known as a mutual fund. Nationwide Variable Insurance Trust (NVIT) Funds are offered exclusively through Nationwide variable annuity and variable life insurance products. Oct 31, 2025 · Invesco Variable Insurance Funds are available solely as underlying investment options for variable life insurance and variable annuity products issued or administered by life insurance companies. Jun 21, 2024 · Key Takeaways Variable life insurance is a permanent life insurance that offers a fixed death benefit, plus a cash value account that gives you the freedom to invest your equity in a variety of subaccounts and potentially grow your investment tax-deferred. In addition to the operating expenses which the portfolio bears directly, the port-folio indirectly bears a pro rata share of the operating expenses of the underlying funds in which the Feb 18, 2025 · JOHN HANCOCK VARIABLE INSURANCE TRUST 200 Berkeley Street Boston, Massachusetts 02116 February 18, 2025 Dear Variable Annuity and Variable Life Contract Owners: Shareholders of Small Cap Value Trust (the “Fund”), a series of John Hancock Variable Insurance Trust (the “Trust”), are being asked to approve a new subadvisory agreement between John Hancock Variable Trust Advisers LLC (the Prospectus May 1, 2021 LVIP JPMorgan Retirement Income Fund (the “Fund”) is a series of the Lincoln Variable Insurance Products Trust (the “Trust”). They may also be used to limit the number of times you see an advertisement and measure the effectiveness of advertising campaigns. This type of policy allows the policyholder to invest the cash value in a variety of subaccounts, similar to mutual funds, with the potential for growth based on the performance of the underlying investments. What is a life insurance trust? There are two types of life insurance trusts: revocable and irrevocable. Oct 11, 2024 · Life Insurance: Why It Seems Mysterious but Isn’t Many people have strong views about life insurance 1 but a reasonable observation seems to be that it is probably the least understood financial product that is widely held. Goldman Sachs Variable Insurance Trust - Goldman Sachs Buffered S&P 500 Fund - Jan/Jul Current Outcome Period Values (Current/Net)* as at Nov 11, 2025 Values At The Start Of The Outcome Period (CURRENT/NET)* as at Jul 1, 2025 Lincoln Variable Insurance Products (LVIP) Trust is not guaranteed or insured by Lincoln or any other insurance company or entity. 56 / -2. Sep 30, 2025 · Shares of the Funds may be purchased only by life insurance companies to be used with their separate accounts which fund variable annuity and variable life insurance policies or qualified retirement plans and are also available as an underlying investment fund for certain qualified retirement plans. Learn more about how variable life insurance works. Unlike fixed and fixed index annuities, variable annuities involve investment risks and may lose value. Feb 10, 2023 · This Prospectus relates only to the series of Milliman Variable Insurance Trust (the “Trust”) that are listed above (each, a “Fund,” and, collectively, the “Funds”). It gets its name from the way the cash portion of the policy is invested—you get to pick from a variety of investment options and the value of those options can vary (go up and down) over time. They are sold only to separate accounts of insurance companies to fund benefits payable under variable annuity contracts and variable life insurance policies issued by life insurance companies -related fees and charges of the variable product issued by your insurer. Prospectus May 1, 2025 LVIP Blended Large Cap Growth Managed Volatility Fund (the “Fund”) is a series of the Lincoln Variable Insurance Products Trust (the “Trust”). It is typically used to benefit the spouse and children by holding the policy proceeds in trust. Explore fund literature and resources. JHVIT Disciplined Value Emerging Markets Equity Trust JHVIT U. The unique advantage of a variable annuity over the other types of annuities is the ability to invest your money in a way that takes advantage of the stock market for uncapped growth potential while simultaneously allowing for diversification 2. The list of Aug 25, 2016 · Funds John Hancock Variable Insurance Trust 500 Index Trust I JFIVX Actions Price (USD) 26. Please contact your insurance carrier for a variable product pro pectus and for the standardized performance data of the variable product. With Insurance Trusts, both the owner and beneficiary of the insurance policy is the actual Trust itself. Read on to learn more. Please visit our Jun 20, 2024 · A life insurance trust is a legal arrangement in which an irrevocable trust is created to own a life insurance policy, allowing the proceeds of the policy to bypass probate and estate taxes when the insured person dies. Shares of the Fund are currently offered only to separate accounts that fund variable annuity and variable life insurance contracts (“variable accounts”) of The Lincoln National Life Insurance Company, its affiliates, and third-party The Fund consists of two portions managed by different subadvisers. View mutual fund news, mutual fund market and mutual fund interest Variable life insurance has fees and charges that include underlying fund expenses and costs that vary with sex, health, age and tobacco use. The value of the policy can fluctuate based on the performance of the underlying investments. Shares of each applicable Fund are offered at NAV and are available solely as an underlying investment option for variable life insurance and variable annuity products issued or administered by life insurance companies. Oct 31, 2025 · The information contained in this section pertains to the Funds which comprise the MFS® Variable Insurance Trust. John Hancock Variable Insurance Trust (the Trust) Science & Technology Trust (the fund) Supplement dated June 27, 2024 to the current Summary Prospectus, as may be supplemented (the Summary Prospectus) The following information supplements and supersedes any information to the contrary relating to the fund contained in the Summary Prospectus. Jun 10, 2024 · A Variable Insurance Product (VIP) is a type of life insurance policy that combines death benefits with investment options. Here's how they work and how to set one up. Shares of JHVIT are not offered directly to the public but are sold only to insurance companies and their separate accounts as the underlying investment option for variable annuity and variable life insurance contracts (“variable contracts Aug 16, 2023 · Variable life insurance is a permanent life insurance product with separate investment accounts, and often offers flexibility regarding premium remittance and cash value accumulation. This type The Fund is a diversified portfolio under the Act offering two classes of shares — Institutional and Service Shares. John Hancock Variable Insurance Trust (“JHVIT” or the “Trust”) is an open-end management investment company, commonly known as a mutual fund. The change in each Fund s 80% Policy will be effective on April 28, 2024 (the Effective Date ). Apr 30, 2025 · Forethought Variable Insurance Trust published this content on April 30, 2025, and is solely responsible for the information contained herein. Benefits of variable life insurance include the potential to grow your plan's cash value over time with potential tax incentives. Jul 9, 2024 · Variable insurance trusts can also be combined with other estate planning instruments like family limited partnerships and charitable remainder trusts for greater estate tax mitigation potential. com Oct 21, 2024 · A Variable Insurance Trust (VIT) is a type of investment vehicle that combines life insurance with investment options. What Is A Variable Insurance Trust - Funding a trust with life insurance can. View mutual fund news, mutual fund market and mutual fund interest rates. As a shareholder of a John Hancock Variable Insurance Trust Managed Volatility Portfolio, you incur ongoing costs, including management fees, distribution and service (Rule 12b-1) fees and other expenses. This type of insurance is often May 13, 2025 · These items are used to deliver advertising that is more relevant to you and your interests. NVIT Funds are offered exclusively through Nationwide variable annuity and variable life insurance products. SAI is the Statement of Additional Information and includes additional material about the variable product and the issuing insurance company that some owners may find useful, including information about the calculation of performance data for any money market investment options available and the financial statements of the issuing insurance company and the separate account. By placing a life insurance policy in a trust, it may be possible to shelter assets from estate taxes. That means it’s part life insurance, part savings and investment. PIMCO Global Managed Asset Allocation Portfolio This prospectus is intended for use in connection with variable annuity contracts and variable life insurance policies issued by insurance companies. Funding a trust with life insurance can help cover estate taxes and other expenses after death, preventing the need to sell high-value assets. We would like to show you a description here but the site won’t allow us. Mar 27, 2025 · Variable insurance trusts are investment vehicles designed to support variable life insurance policies and annuities. Advertising networks usually place them with the website operator’s permission. Distributed via Edgar on April 30, 2025 at 17:58 UTC. Shares of the Fund are currently offered only to separate accounts that fund variable annuity and variable life insurance contracts (“variable accounts”) of The Lincoln National Life Insurance Company, its affiliates, and third-party PIMCOTotalReturnPortfolio This prospectus is intended for use in connection with variable annuity contracts and variable life insurance policies issued by insurance companies. NVIT Funds are not sold to individual investors. 66 Today's Change -0. gov. John Hancock Variable Insurance Trust Managers’ commentary and portfolio performance Trust performance Insurance Trust (the trust or JHVIT). Sep 10, 2025 · A variable annuity is a tax-deferred insurance product that combines investing and standard annuity benefits. jkgh bwbzwe dhx svpo kyapq dkt ewpe cieygr bheneg kgft xamid mgnxk bmeatcuy ufv wpgr