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Gender:
Male
Female
Smoker/Tobacco:
Yes
No
Health Class:
Preferred Plus
Preferred
Regular Plus
Regular
Type of Insurance:
Return of Premium Products
To Age 121 Level (No Lapse U/L)
To Age 121 Level - Pay to 100
To Age 121 Level - Pay to 65
To Age 121 Level - 20 Pay
To Age 121 Level - 10 Pay
To Age 121 Level - Single Pay
1 Year Level Term
5 Year Level Term
10 Year Level Term
15 Year Level Term
20 Year Level Term
25 Year Level Term
30 Year Level Term
35 Year Level Term
40 Year Level Term
To Age 65 Level
To Age 70 Level
To Age 75 Level
Other Term
10, 20, 30 Year Term
All Level Term Product Categories
10 Year Return of Premium
15 Year Return of Premium
20 Year Return of Premium
25 Year Return of Premium
30 Year Return of Premium
To age 65 Return of Premium
To age 70 Return of Premium
To age 75 Return of Premium
Other Return of Premium
15, 20, 30 Year with ROP
Face Amount:
$50,000
$75,000
$100,000
$150,000
$200,000
$250,000
$300,000
$350,000
$400,000
$450,000
$500,000
$600,000
$700,000
$750,000
$800,000
$900,000
$1,000,000
$1,250,000
$1,500,000
$1,750,000
$2,000,000
$2,500,000
$3,000,000
$5,000,000
Universal Life Insurance Coverage
Universal life insurance - UL - is a relatively new insurance product intended to provide permanent insurance coverage with greater flexibility in premium payment and the potential for a higher internal rate of return. A universal life policy includes a cash account. Premiums increase the cash account. Interest is paid within the policy or credited on the account at a rate specified by the insurance company. This rate has a guaranteed minimum but usually is higher than that minimum. Mortality charges and administrative costs are charged against and reduceed the cash account. The surrender value of the policy is the amount remaining in the cash account less applicable surrender charges, if any. But universal life has its own disadvantages which stem primarily from this flexibility. The policy lacks the fundamental guarantee that the policy will be in force unless sufficient premiums have been paid and cash values are not guaranteed.
