Universal life insurance is designed to help you take advantage of lifetime coverage with competitive rates while allowing you to build cash accumulation value.
Additionally, it offers flexibility in two important ways: the death benefit and premium payments. Once you determine the amount of coverage you desire, we can modify the death benefit and premium payments to fit your specific objectives.
We offer two types of universal life insurance products to better meet your needs.
LifeTime Universal Life Insurance
LifeTime Universal Life Insurance might be right for people who:
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Possess sufficient assets for expected and unexpected expenses
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Desire to leave a financial legacy for their heirs or favorite charitable organization
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Are preparing for retirement or are retired
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Have adequate income to live comfortably in retirement
LifeTime Universal Life Insurance is specifically designed to help increase the value of an inheritance. When left as an inheritance, you are given full control of who receives the benefit. Unlike many financial vehicles used to accumulate wealth, this benefit can be passed on to loved ones or a favorite charity. Finally, the death benefit from a life insurance policy is generally not subject to income taxes.
LifeTime Universal Life coverage begins at $25,000 and earns a competitive interest rate on premiums while building cash value over time. Loans may be taken out on the value of this policy at a fixed rate. Additionally, early access to funds is available if the insured should become terminally ill.
Customize Your Policy
Adding riders to your policy gives you the ability customize your LifeTime Universal Life Insurance policy to meet your needs.
Disability Waiver of Premium Rider: Ensures your premiums will be waived while you are disabled, as defined in the rider.
Children’s Term Rider: Provides up to $20,000 of life insurance coverage per child.
Accidental Death Benefit Rider: Provides an accidental death benefit to your beneficiary if you lose your life due to injuries sustained in an accident.
UNIVERSAL LIFE INSURANCE
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Customize Your Policy
Adding riders to your policy gives you the ability to customize your Accumulator Universal Life Insurance policy to meet your needs.
Waiver of Monthly Deductions Rider: Ensures your monthly deductions will be waived while you are disabled, as defined in the rider.
Children’s Term Rider: Can provide up to $20,000 of life insurance coverage per child.
Accidental Death Benefit Rider: Provides an accidental death benefit to your beneficiary if you lose your life due to injuries sustained in an accident.
Accumulator Universal Life Insurance
Accumulator Universal Life Insurance might be right for people who:
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Want to get permanent life insurance protection with flexibility
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Want to earn a competitive interest rate on their premiums
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Are looking for a responsible way to save for the future for loved ones
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Need funds to cover education expenses or supplement retirement benefits
Accumulator Universal Life Insurance offers permanent life insurance protection to meet your present needs, plus a cash value accumulation feature that can provide much-needed funds later in life.
Accumulator Universal Life Insurance coverage begins at $25,000. These policies offer a competitive interest rate on premiums and build cash value over time. Additionally, policyholders are able to decide the type of death benefit that will be paid to the beneficiary. In times of financial strain, flexible premiums allow you to temporarily suspend your premiums. Finally, early access to funds is also available if you should become terminally ill.
3122 Walton Blvd.
Rochester Hills, MI 48309
Located across from Oakland University and the Meadowbrook Theater.
In the plaza with Trader Joe’s, Busch's Market and Hallmark.
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Give us a call today!
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Fax: (248) 923-2667