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Message .t { transform-origin: bottom left; z-index: 2; position: absolute; white-space: pre; overflow: visible; line-height: 1.5; } .text-container { white-space: pre; } @supports (-webkit-touch-callout: none) { .text-container { white-space: normal; } } #t1_1_bv-017637a4-{left:510px;bottom:913px;letter-spacing:-0.05px;} #t2_1_bv-017637a4-{left:425px;bottom:864px;letter-spacing:-0.05px;} #t3_1_bv-017637a4-{left:506px;bottom:814px;letter-spacing:-0.06px;word-spacing:0.01px;} #t4_1_bv-017637a4-{left:283px;bottom:1037px;letter-spacing:0.2px;} #t5_1_bv-017637a4-{left:377px;bottom:959px;letter-spacing:0.21px;} #t6_1_bv-017637a4-{left:417px;bottom:497px;letter-spacing:-0.1px;} #t7_1_bv-017637a4-{left:423px;bottom:447px;letter-spacing:-0.12px;} .s0_1_bv-017637a4-{font-size:43px;font-family:Montserrat-Regu_nr_bv-017637a4-;color:#FFF;} .s1_1_bv-017637a4-{font-size:68px;font-family:Montserrat-Bold_ns_bv-017637a4-;color:#FFF;} .s2_1_bv-017637a4-{font-size:45px;font-family:DMSans-Bold_pc_bv-017637a4-;color:#0A418B;} @font-face { font-family: DMSans-Bold_pc_bv-017637a4-; src: url("userFiles/a/4/7/2/7/6/1/c534er41XKAMziaf56dZSC/fonts/DMSans-Bold_pc_bv-017637a4-.woff?_cbt=1790265786") format("woff"); } @font-face { font-family: Montserrat-Bold_ns_bv-017637a4-; src: url("userFiles/a/4/7/2/7/6/1/c534er41XKAMziaf56dZSC/fonts/Montserrat-Bold_ns_bv-017637a4-.woff?_cbt=1790265786") format("woff"); } @font-face { font-family: Montserrat-Regu_nr_bv-017637a4-; src: url("userFiles/a/4/7/2/7/6/1/c534er41XKAMziaf56dZSC/fonts/Montserrat-Regu_nr_bv-017637a4-.woff?_cbt=1790265786") format("woff"); } a clear, no-jargon multimedia guide for smart consumers LIFE INSURANCE MADE SIMPLE LEARN MORE This is an AI generated video. 

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VUL differs from UL or GUL in that premium over the cost of insurance and expenses goes into client-directed “separate accounts”. The Separate Accounts are analogous to mutual funds. Since these accounts are within the policy they grow tax-deferred, unlike mutual funds. Every company has a range of available accounts like money market, small-cap, large-cap, growth, value etc. The values in the separate accounts are not capped nor are they guaranteed. As the insured ages, the cost of insurance keeps increasing and if the separate accounts are not growing sufficiently, the policy could lapse. It is the responsibility of the policy owner to ensure the policy is not underfunded and the allocation is in keeping with the client’s risk tolerance. VARIABLE UNIVERSAL LIFE - VUL INDEXED UNIVERSAL LIFE - IUL Indexed Universal Life is another product that accumulates cash and may appeal to a sophisticated buyer who understands how index funds work. They are relatively new, only first being offered in 1997. The cash accumulation account in these policies mimics the performance of a selected index but is not in actuality invested in the index fund. While the associated index may go through the roof, the growth in the policy will be capped by a predetermined percent. In addition, the premium payments are flexible which also means they may not be guaranteed. Typically the policy owner can choose between several index funds to tie performance. However, the performance will never equal that of the actual index as there are caps on the returns. TIP: IF YOU ARE LOOKING FOR GUARANTEES, VUL IS NOT A PRODUCT FOR YOU. IT IS IMPERATIVE THAT POLICY OWNERS MEET REGULARLY WITH THEIR INSURANCE PROFESSIONAL TO MONITOR AND ENSURE VIABILITY.

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By definition, it is designed to last for your whole life. What makes it different from the other types of permanent insurance is that its components are fixed at issue to guarantee the death benefit for your entire life. The tradeoff is greater guarantees for more upfront premiums. But while whole life looks like it costs more going in, over time these policies produce dividends that grow. The dividends reduce the net cost of whole life over the long run. And the dividends accumulate income-tax- free in a cash account that you can access during your life. They are valuable and flexible. You can think of them as performing conservatively, similar to a bond fund. WHOLE LIFE: stable, predictable and long-term Dividends are the hallmark of this type of policy. They fluctuate and they are not guaranteed. However, most of the highly rated companies have paid dividends consistently over many decades, even during serious recessions. You can allocate dividends to suit your own needs: Keeping them in the policy to grow the death benefit AND the cash value Reducing out-of-pocket premium payments Cash payments This is an asset with strong guarantees. Look for a company with a history of producing unfailing dividends.

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src: url("userFiles/a/4/7/2/7/6/1/c534er41XKAMziaf56dZSC/fonts/DejaVuSerif_p7_bv-017637a4-.woff?_cbt=1790265786") format("woff"); } @font-face { font-family: LeagueSpartan-B_p9_bv-017637a4-; src: url("userFiles/a/4/7/2/7/6/1/c534er41XKAMziaf56dZSC/fonts/LeagueSpartan-B_p9_bv-017637a4-.woff?_cbt=1790265786") format("woff"); } @font-face { font-family: Montserrat-Bold_ov_bv-017637a4-; src: url("userFiles/a/4/7/2/7/6/1/c534er41XKAMziaf56dZSC/fonts/Montserrat-Bold_ov_bv-017637a4-.woff?_cbt=1790265786") format("woff"); } @font-face { font-family: Montserrat-Bold_ow_bv-017637a4-; src: url("userFiles/a/4/7/2/7/6/1/c534er41XKAMziaf56dZSC/fonts/Montserrat-Bold_ow_bv-017637a4-.woff?_cbt=1790265786") format("woff"); } @font-face { font-family: Montserrat-Regu_ou_bv-017637a4-; src: url("userFiles/a/4/7/2/7/6/1/c534er41XKAMziaf56dZSC/fonts/Montserrat-Regu_ou_bv-017637a4-.woff?_cbt=1790265786") format("woff"); } While life insurance was initially conceived as a way to protect the "widows and orphans" in case the breadwinner died, over the years it has developed into a multifunctional financial tool because of its unique attributes: Life insurance proceeds are not subject to income tax Cash accumulation within a policy grows tax-deferred. Life insurance can be the solution implemented for each need on the list to the right. The appropriate type is totally dependent upon individual circumstances. COST COST COST or or or VALUE? VALUE? VALUE? COST or VALUE? MORTGAGE INSURANCE TAX EFFICIENT TRANSFER OF WEALTH FINAL EXPENSES ESTATE EQUALIZATION SUPPLEMENTAL RETIREMENT INCOME PAY ESTATE TAXES FUND BUY-SELL AGREEMENTS EXECUTIVE DEFERRED COMP. "GOLDEN HANDCUFFS LIFE INSURANCE: NOT JUST FOR SURVIVORS "A MAN WHO DIES WITHOUT ADEQUATE LIFE INSURANCE SHOULD HAVE TO COME BACK AND SEE THE MESS HE CREATED." -WILL ROGERS

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It can be bought from an insurance agency, an investment brokerage company, fraternal organizations, through an employer, an independent insurance professional or online. People who sell life insurance hold a “Producer” license which is different from a "Broker" license. All life insurance agents are producers. Some agents are independent and may represent different companies. Career Agents have a primary association with one insurance company, however, they may offer insurance from other companies in accordance with their employment agreement. WHO'S WHO? Captive Agents are associated with a primary insurance company but are not allowed to work with any other insurer. Licensed insurance professionals may use the term “Financial Advisor” but not Certified Financial Advisor unless they have earned the CFP® designation. CFP®s must still have to be licensed to sell insurance. Most large investment brokerage firms require investment advisors to hold a producer’s license. Usually, advisors in these firms concentrate on investment and rely on an internal insurance specialist to guide them through matters pertaining to insurance. This is an AI generated video. 

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