UNIVERSAL LIFE INSURANCE

Universal Life Insurance is a flexible-premium, adjustable benefit life insurance policy that accumulates account value. Premiums and values are based on projections of assumed interest rates, the cost of insurance and the insurance company's expenses.

Who Should Consider Universal Life Insurance?  Universal life offers more flexibility than traditional whole life by allowing you to change the amount, date, and frequency of your premium payments. You may also increase or decrease the amount of the death benefit. Typically, you can choose from among several death benefit options, which may include a fixed benefit plus an additional benefit equal to the policy's cash value or premiums paid.  You may want to consider Universal Life insurance if you are:

• A business owner looking to maintain the value of his/her business
• A parent or grandparent who wants to provide for beneficiaries

Benefits of Universal Life:

• Flexibility - You can adjust the death benefit and premium payments to fit your needs
• Tax-Deferred Account Growth - The policy's Account Value earns interest at the company's current interest rate; federal income tax deferred. The current interest rate is guaranteed to be at least 4% a year

Guarantees, including death benefits, for Universal Life and Variable Universal Life Insurance are based on claims-paying-ability of the insuring Insurance Company.  Withdrawals and loans may be subject to policy limitations and income tax.  Outstanding policy loans at death, and withdrawals, will reduce the policy death benefits and cash values.

Contact us for more information and to discuss your individual needs. Consultations and insurance quotes are provided at no charge to you. You may also request an insurance review.