Universal Life

Universal Life Insurance plans combine permanent life insurance protection with optional investment opportunities. Universal Life Insurance allows you the option to accumulate wealth on a tax sheltered basis. The funds inside your policy can grow on a tax sheltered basis and be paid to your beneficiary tax free in the event of a death claim.

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The accumulation of funds in the policy can be used to:

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Pay future premiums

Supplement your retirement income

Provide funds for unexpected expenses

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Universal Life Insurance policies offer:

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Level Cost of Insurance plans

Joint First to Die

Joint Last to Die (this is a low cost level premium plan that is used for estate protection)

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The Joint Last to Die plans can be issued with:

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Premiums payable until the death of the second insured

Premiums payable until the death of the first insured and then the policy is made fully paid up

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Please contact our office for a quotation to suit your personal needs and circumstances.