The Key is Flexibility

You control:

• Level of deposits
• Frequency of deposits
• Duration of Deposits
• Amount of insurance can be constant, increased, subject to medical evidence or reduced as needed.

	Universal Life Insurance is made up of two parts, both under the direction of the client . An insurance component and an investment component.

Clients can simply deposit enough to cover the insurance costs or deposit excess monies that can be invested into many options of their choosing. In fact one company offers clients over 400 investment choices.

There is no requirement that clients must continue the excess deposits. They can suspend, reduce or cease the excess deposits as they see fit.

However one of the very attractive features of Universal Life is that monies invested grow tax sheltered within the plan allowing for rapid and substantial cash buildups.

This allows for many creative opportunities for clients and their advisers to build up supplemental retirement income streams with highly preferred tax treatment on the payouts.

With universal life insurance, you can use it as:

• Powerful tool in estate preservation, leveraging, buy-sell agreements, charitable giving and pension maximization
• Coverage that can adapt as your life changes
• Tax-advantaged growth on your savings
• Easy access to cash within your policy
• Convenient payment options
• Maximum protection for your estate
• Permanent financial protection
• Investment values earned within the plan are returned in addition to the insurance amount as a tax-free death benefit

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