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Interest Sensitive Product
Universal Life
Americans have become more sophisticated financial planners. They expect higher yields, tax advantages, and increased security. They want more control and flexibility in their financial options.
With Universal Life II (UL II), you emphasize any or all of these features.
- The security of permanent life insurance protection
- Maximum flexibility
- Competitive, tax-favored returns creating long-term value for you. Universal Life II is a special kind of life insurance. It's a flexible premium policy that enables you to design coverage which fits your personal goals and needs. A Farmers & Traders Life UL II policy is the ideal combination of outstanding flexibility and protection.
UL II helps you plan and manage your financial future. No matter what your goals, your UL II policy can be tailored to meet them. You can modify or adjust your policy to fit your changing needs.
- Increase your coverage If your need for future financial protection grows due to inflation or greater liquidity needs, you can increase your coverage without having to buy another policy. (subject to evidence of insurability)
- Increase your deposits Want to maximize your cash accumulation to fund a child's college education or supplement your retirement income? Just increase your payments. (within Internal Revenue Code guidelines) Your accumulations grow tax-deferred under current law, increasing your long term net yield. Should you need cash for emergencies or opportunities, UL II provides easy access to your policy's cash value by either a partial withdrawal or loan against the cash value...with hardly any of the restrictions imposed on many other saving vehicles.
Taxes erode the value of most investments. Your UL II policy has tax-deferred values under current tax law enabling you to meet tomorrow's needs without increasing today's income tax liability.
Death claims are normally paid to your beneficiaries income tax free, regardless of any gains in the policy. With proper ownership and beneficiary arrangements, you can even avoid paying federal estate taxes.
Your UL II policy provides a Waiver of Monthly Deductions option. Should you become sick or disabled, your policy will not be charged monthly service costs or other options. Your protection continues if disability prevents you from paying your premiums.
To get a FREE Life Insurance Quote Call
631-289-2777
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| Call Now! 631 - 289 - 2777 |
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Sunrise Agency 2285 Route 112 Medford, NY 11763 Phone 631-289-2777
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