Guaranteed minimum interest rate. Guarantees are based on the claims paying ability of the issuing company. Variable Universal Life provides the owner with all the benefits of universal life insurance protection, plus flexible investment options. The policyowner decides how the cash value of the policy is invested among the investment options offered. These investment choices typically include stock, bond, and asset-allocation funds, allowing the policyowner to take advantage of market opportunities.
Many companies even offer name brand investment options.
Survivorship Universal Life Insurance covers two individuals on one policy, paying a death benefit upon the second death, when estate taxes are due. The policy can be designed so that the heirs pay no income, gift or estate taxes on the proceeds. They can use the money to pay most or all of the estate taxes and settlement costs, thus avoiding more expensive alternatives, such as paying cash, borrowing or liquidating assets. Contact us via e-mail or Call us direct.