Universal Life

South Florida Universal Life Insurance Broker

Life, Health and Variable Annuities Insurance Lines

Universal Life Insurance is a flexible-premium, adjustable benefit life insurance policy that accumulates account value. The flexibility of this policy allows you to change the amount of insurance as your needs for insurance change.

As with all life insurance, the main purpose for buying a Universal Life insurance policy is to provide adequate protection to your family in the case of death.

Benefits of Universal Life

Flexibility
You decide how much life insurance you need and subject to certain requirements and limitations, you can adjust the death benefit and premium payments to fit your changing needs.

Security
You help protect your loved ones against possible financial hardship in the event of the insured's death. Tax-Free Death

Benefit
Under current tax laws governing individual life insurance, life insurance proceeds are generally income tax free to the beneficiary.

Tax-Deferred Account Value Growth
Your policy's Account Value earns interest at the company's current interest rate federal income tax deferred.