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Flexible Universal Life Insurance

The major advantage of UL is flexibility: you can change the protection level of the policy (within bounds) and you control the amount of frequency of payments (again, within bounds).

This life insurance offers protection for your family and strategies for leaving a legacy to them. It can also help small business owners with continuation planning.

Universal Life insurance with Financial Advisors

UL Accumulator

It offers you strategies and features for more cash value and income potential, all while protecting against market loss, so you can take control of your future..

UL Protector

Is affordable fixed life insurance that offers you the same core benefits as traditional universal life insurance products

UL Indexed

Offers an interest crediting strategy whereby the interest credited to your policy is based on the measured performance of a market index or market indexes. Indexed universal life policies are not stock market investments and do not directly participate in any stock or equity investments and helps protect you from market losses.

Survivorship UL

Provides lifetime protection to two people, like spouses or business partners. As long as the premiums are paid, a guaranteed death benefit is paid after the death of the second insured person, even up to age 120.

Assumption UL

Offers life insurance protection and the opportunity for cash value buildup, meeting two needs with one policy. Your accumulated cash can potentially provide you with tax-advantaged income later on, so you can maintain your current lifestyle after you retire.

No-Lapse Guarantee UL

Enjoy the fruits of your labor - and establish a lasting legacy for your loved ones. Replace income with a income tax-free death benefit. Help cover estate taxes, estate settlements fees and medical bills. Set up a buy-sell agreement to protect your business

More information about Universal Life Insurance coverage type.

Some other things to know about universal life insurance

  • A flexible premium universal life insurance policy has the flexibility to adjust to your changing needs.
  • Your policy's cash value earns interest based on a contractually-stated financial index (or a blend of indices), and this growth is tax-deferred. You can access your cash value almost anytime.
  • Your policy's cash value earns interest based on a contractually-stated financial index (or a blend of indices), and this growth is tax-deferred. You can access your cash value almost anytime.
  • Life insurance has fees and charges associated with it that include costs of insurance that vary based on the insured person’s sex, health and age, and has additional charges for riders that customize a policy to fit your individual needs.

  • Points to keep in mind

    If you’re considering universal life insurance, please be aware of the following points:

    LOANS

    Loans and partial withdrawals reduce both the cash value and the death benefit payable to your loved ones, and may cause the need for additional premium payments to the policy

    POLICY

    If your policy lapses with an outstanding loan, it will be treated as a distribution and some or all of the amount may be taxable

    RIDERS

    Not all riders and features are available in all states and most riders have an additional cost

    Get an online today to see what discount you might be eligible for UL insurance.


    Getting An UL Insurance Quote

    Quoting online with FA is quick & easy answer a few simple question, give us some information about your driving history & we will give you an accurate quote to consider.

    The Insurance Quote Process

    • 1.

      Fill information about your.

       

    • 2.

      Fill information about your Family.

       

    • 3.

      How much insurance.

      We'll help you determine the amount of life insurance coverage you may need by calculating your expenses, debts and future financial needs..

    • 4.

      What will it cost?.

      We'll provide an estimate for a Term or Whole Life insurance policy based on the amount of coverage you want, the length of time you want your policy to last, and your health and lifestyle.

    • Get a Quote

     

    Advantage of FA Insurance Agent

    Call FA insurance professional today. By having a better understanding of term life insurance, you can decide if it would be a valuable addition to your financial plans.

            • Maximized Savings
            • Quality Coverage
            • Claim Assistance
            • Personal Support
            • Explaining your coverage
            • Finding discounts

    Speak with the right FA insurance agent to assist you with all your insurance needs.

    Contact agent Get quote

    Why FA insurance agent ? We’re glad you asked.

    As a stable, Financial company with more than 20 years of experience, we’re conservative by nature. And, because we’re in the business of offering annuities, life insurance, retirement plans and mutual funds, we know risk management and take many steps to protect our policyholders.

    • Diversified sources of earnings and cash flows
    • A strong balance sheet
    • A sound and disciplined investment policy
    • A long history of maintaining a quality investment portfolio
    • Spend some time with us, and you’ll quickly see a difference. Our conservative, family-based culture allows us to bring a unique brand of personalized service to our customers.

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