Universal Life Insurance (ULI)

Secure your legacy with ULI

Universal life insurance is the familiar type of life insurance that comes to mind when people think about it: the policy holder pays premiums, and in return, the life insurance company commits to pay out a defined sum upon the insured person’s death.

Death benefit can be up to 400M
Premium financing: banks willing to lend 80-90% of the cash surrender value
Top medical condition is not a requirement
Single or regular premium payments (5 or 10 years)
Insurance companies are large, multinational insurance companies with high credit ratings
All risks are reinsured with well capitalized reinsurance companies (SwissRe, MunichRe, HanoverRe)

Key benefits

Financial security for surviving heirs
Flexible inheritance planning
Liquidity to pay off taxes or liabilities
Helping families keep control of their businesses
Helping business partners remain in control when co-owner passes away
Can be used as a tool to hedge market risk

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