Universal life Insurance,Big Bear,Riverside, San Bernardino,San Diego

Universal life policies offer the policy owner more flexibility than whole life insurance - the flexibility to choose both the amount of insurance and the premium amount to be paid. As needs change, those amounts may be changed subject to certain guidelines. Premium payments are credited to a cash value account where the money earns tax-deferred interest at a rate set by the company, which may be higher than the minimum rate guaranteed in the policy. Policy expenses are deducted from this cash value account. Generally, cash values can be accessed by the policy owner through policy loans and withdrawals.

Indexed universal life products offer interest-crediting rates tied to the stock market, plus the safety of a minimum guaranteed interest rate. When the stock market is up, policy owners can benefit from the growth of the Standard & Poor's 500 Composite Stock Price Index.** When the market is down, clients have the security of a guaranteed minimum interest rate.

Universal life products with a no-lapse guarantee ensure that coverage will continue from the policy issue date for a specified period of time, as long as monthly guaranteed premiums are paid. These policies may be maintained with less than the guaranteed premium, for a catch-up provision allows the policy owner to restore the guarantees at any time if the policy is in force - without any interest charge.

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