Should I work with an independent insurance agent or a captive insurance agent?

Your needs will evolve in the face of such changes, which is why SMART UL comes with built-in flexibility. With our 10-Year No Lapse Guarantee6, you can ... Universal life insurance is a flexible adjustable life policy, which incorporates annually renewable term insurance with an interest bearing side fund (cash ... A universal life insurance policy offers permanent life insurance with a savings element and low premiums that are similar to those of term life insurance. You ... This website is for information purposes only and is not intended to be relied upon as a forecast, research or investment advice. Dec 19, 2023 ... Building a life insurance portfolio that includes both term and permanent insurance can help you to afford the amount of coverage you need now. Permanent Life policies are often customizable and flexible. Use this chart to compare Universal Life, Indexed universal life and Variable universal life. This permanent policy allows you the flexibility to raise or lower your coverage 1 or your premiums 2 as needed. Guaranteed Universal Life Insurance · Allows you to choose at what age your policy will end · Offers little to no cash value opportunities · Premium payments ... Apr 4, 2016 ... The green shaded area is the cash value of the VUL. As you can see, the after-tax taxable account breaks even with the VUL cash value after 24 ... Aug 5, 2010 ... The Contract offers two Investment Options: Investment Option 1 and Investment Option 2. Each Investment Option utilizes a formula for crediting interest based ...