Retain. Leverage. Maximize.
Why we believe in the
PremiumLife™ Plus strategy.
In today’s uncertain world, you are wise to take advantage of every opportunity to build and protect your assets – for you and the well-being of your family. Traditionally, life insurance has been an important part of a wealth strategy because it helps protect you and your loved ones from uncertainty. But some life insurance strategies can also help you build wealth with limited market risk, while creating potentially tax-free benefits.
Protect against higher taxes & generate
3 TYPES OF MONEY
Leverage your assets to
CREATE MORE WEALTH
Stocks, Mutual Funds, Bonds, ETF's, REIT's, Managed Accounts
401(k), IRA, Annuities
Multiply your potential tax-free income by letting the bank fund your policy
Structure payments to maximize potential gift tax exclusions
Avoid potential tax consequences of liquidating assets to pay premiums
Fund key-person, buy/sell agreements and business succession plans
Earnings capped on the upside as a trade-off for downside protection
Gains locked in annually
Policy credits never lower than 0%
MAXIMIZE YOUR LEGACY
with high cash-value life insurance
Death benefit provided to your loved ones even after taking income, tax-free
Death benefit may be accelerated for long-term care expenses
Flexible premiums may allow you to adjust contributions as necessary
Minimum guaranteed rate provided
CREATE AN ARBITRAGE
while retaining your earnings
Take advantage of potential arbitrage when policy credits exceed cost of loan
Avoid liquidating hard assets to pay for premiums
Maintain existing investment strategies
Pursue high-growth opportunities elsewhere with retained capital
2 years of P&L and other corporate financials
2 years of corporate and personal tax returns
Personal financial statement
Investment account statement to verify net worth
Must have legitimate need for insurance
Standard or better rating class
Cash Equivalent Assets
Certificates of Deposit
Taxable Investment Accounts
Bank Letter of Credit
Information provided is general and educational in nature, and is not intended to be, and should not be construed as, legal or tax advice. Universal Financial Consultants does not provide legal or tax advice. Laws of specific states or laws relevant to a particular situation may affect the applicability, accuracy or completeness of this information. Federal and state laws and regulations are complex and subject to change. Universal Financial Consultants makes no warranties with regard to the information or results obtained by its use. Universal Financial Consultants disclaims any liability arising out of an agent’s use of or reliance on, the information.
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