Universal Life Insurance  may be the best  way to protect your famiy 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

    Some of the benefits of Indexed Universal Life Include:

  • A death benefit paid to your loved ones generally free from federal income taxes.
  • The flexibility to determine the amount and timing of premium payments.
  • The flexibility to increase or decrease the face amount after issue.
  • Return of premium Guarantee!
  • Critical and Terminal Illness Benefit
  • The flexibility of tax-deferred growth of policy cash values, which may be used to pay for monthly costs of insurance or accessed via policy loans and withdrawals to Supplement your Retirement.


     Universal Life Video

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