Universal Life Insurance is the best way to protect your family and save for your Retirement
Universal Life Insurance is a is a type of Permanent Life insurance with flexible-premiums, adjustable Life insurance benefits and cash value accumulation. The flexibility of this policy allows you to change the amount of insurance as your needs for insurance change. As with all life insurance, the main purpose for buying a Universal Life insurance policy is the death protection provided to your loved ones at your death.With universal life insurance, you control the amount and frequency of payments.
Looking towards the future?
You have the option to increase the premium or make lump sum contributions, subject to limits as specified in the policy. The extra dollars grow tax-deferred, and may increase the cash and death benefit values. On the other hand, in a temporary cash crunch, you can pay less than the scheduled premium and let the policy’s accumulated cash value pay the remainder of the monthly charges.
Indexed Universal Life
Like all universal life insurance, Indexed Universal Life allows you to choose the policy features that are most appropriate for you and to adjust those features as your financial priorities and needs change. Unlike other interest-earning life insurance policies, however, Indexed Universal Life offers interest linked to a stock market index – without the risk of investing directly in the market.With its combination of life insurance coverage, guarantees, flexibility and opportunity for index-linked growth, Indexed Universal Life Insurance is an excellent choice for lifetime protection and Retirement Funding
What Are The Main Benefits from Universal Life Insurance?
Permanet Life Insurance protection
Your Life insurance policy will protect you until you reach 120 years of Age.As you make your payment and there is cash value , you Life insurance will not expire.
Illness Living Benefits
Our Universal Life insurance Policy provides you with FREE Living Benefits like:Terminal Illness, Critical Illness, ad Chronic Illness. This allows you to accelerate a percentage of your Death benefit while you are still living.
Cash Value Acumulation
Universal Life Insurance policies accumulate cash value through fixed interest and index credits from: SP 500, Nasdaq 100, Russell 2000, and more. This cash value can be used for emergencies or to supplement retirement.
Top Index Strategies to earn decent interest
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