Universal Life Insurance

Policy Highlights

• Flexible Premiums
• Adjustable Death Benefits
• Guaranteed Minimum Interest
• Guaranteed Maximum Charges
• Current Interest - set by the insurance company, either a portfolio yield or new money rate, based on the returns in insurance company’s general account, can be increased or decreased by the insurance company as often as monthly.*
• Current Charges - costs of insurance and administrative charges may be lower than the guaranteed maximum in the policy, subject to change by the insurance company, and will vary based on the company’s mortality experience and expenses.*

*Some Universal Life Insurance policies are designed to provide a guaranteed death benefit with a minimum premium outlay that is guaranteed, at the expense of cash surrender value accumulation. They are often called GUL, which stands for Guaranteed Universal Life, or NLG UL, which stands for No Lapse Guarantee Universal Life. These policies are excellent death benefit products, but may not be appropriate for cash surrender value accumulation and for use as a retirement supplement.

The purchase of insurance is a serious decision, with significant financial implications for you, your family, your business, and your beneficiaries. That is why it is always a good idea to do business with a financial consultant and insurance agent that exhibits commitment to their profession. The best choice is an insurance agent that has earned the professional designations Chartered Financial Consultant & Chartered Life Underwriter.

<Back

For a FREE initial consultation, call today: (800) 680-5596

[Home] [Life] [Seven Wonders] [Four Questions] [Truth] [I am a life insurance policy] [Term Life] [Whole Life] [Universal Life]

Copyright © 2009 Life Solutions, Inc. All rights reserved.

Products not available in all states. Product provisions and features may vary from state to state. The agents of Life Solutions, Inc. are not licensed to sell insurance in all 50 states. To find out if an agent is licensed in your state, please call or e-mail. Agents and advisors should click here.

We are proud supporters of the National Association of Conservative Life Underwriters.