TIAA Intelligent VUL represents an entirely different approach to accumulation than Indexed UL or, for that matter, other retail VUL products. Its structure is clean, easy, and transparent. Every charge has a purpose and a story that can be easily explained to clients. It's designed to be sold off of the policy charge page, rather than the illustration. Intelligent VUL represents a purist and reductionist take on life insurance for accumulation.