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TABLE OF CO

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Benefit/Risk Summary................................................. Policy Benefits ........................................................ Policy Risks............................................................ Fee Tables ................................................................ Transaction Fees...................................................... Periodic Charges Other than Fund Operating Expenses..... Total Annual Fund Operating Expenses ......................... Phoenix Life Insurance Company .................................. Phoenix Life Variable Universal Life Account .................. Valuation Date......................................................... Performance History................................................. Voting Rights ............................................................. The Variable Investment Options................................... Administrative, Marketing and Support Service Fees........ The Guaranteed Interest Account................................... Charges and Deductions .............................................. General.................................................................. Periodic Charges ..................................................... Conditional Charges ................................................. The Policy ................................................................. Contract Rights ....................................................... Contract Limitations ................................................. Purchasing a Policy .................................................. General .................................................................... Postponement of Payments ....................................... Optional Insurance Benefits........................................ Payment of Proceeds .................................................. Surrender and Death Benefit Proceeds ......................... Death Benefit .......................................................... Payment Options ..................................................... Surrenders ............................................................. Transfer of Policy Value .............................................. Internet, Interactive Voice Response and Telephone Transfers ............................................................ Transfer Restrictions ................................................

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NTENTS

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Market Timing and Other Disruptive Trading ................... Systematic Transfer Programs ...................................... Asset Rebalancing Program ....................................... Dollar Cost Averaging Program ................................... Use of Asset Rebalancing and Dollar Cost Averaging Programs ........................................................... Additional Programs ................................................... Asset Allocation and Strategic Programs....................... Selecting a Program and Option .................................. Policy Loans.............................................................. Lapse and Reinstatement ............................................ Federal Income Tax Considerations ............................... Introduction............................................................ Income Tax Status ................................................... Policy Benefits ........................................................ Business and Corporate-Owned Policies ....................... Modified Endowment Contracts .................................. Limitations on Unreasonable Mortality and Expense Charges.............................................................. Qualified Plans ........................................................ Diversification Standards ........................................... Owner Control......................................................... Change of Ownership or Insured or Assignment ............. Other Taxes ............................................................ Withholding............................................................ The Phoenix Companies, Inc. – Legal Proceedings about Company Subsidiaries ............................................. Financial Statements .................................................. Distribution ...............................................................

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Appendix A – Investment Options .................................. A-1

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