PREMIUMLIFE™
PLUS

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

TAX-FREE INCOME

  • Today's top marginal tax rate is 37%
     

  • Traditional investments could be a ticking tax bomb
     

  • Access your cash prior to 59 1/2
    NO IRS PENALTY
     

  • How much should be in your tax-free bucket?

3 TYPES OF MONEY

Leverage your assets to

CREATE MORE WEALTH

TAXABLE

Stocks, Mutual Funds, Bonds,​ ETF's, REIT's, Managed Accounts

TAX-DEFERRED

401(k), IRA, Annuities

TAX-FREE

Municipal Bonds,

Roth IRA,
Life Insurance

  • 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

How the

HEDGING WORKS

  • 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

What this can look like for
YOU

How to 

QUALIFY

FINANCIAL
UNDERWRITING

MEDICAL

UNDERWRITING

COLLATERAL

ASSIGNMENT

  • 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
     

  • Annuities
     

  • 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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