Life Insurance


Life Insurance helps protect your loved ones from the financial devastation that the lack of future income can produce. It is crucial to have a life insurance policy in place if you have a family that relies on you for any reason.

Term life insurance policies are a great way for people to start protecting themselves for a relatively low price. Term policies keep the cost low because statistically you won’t use the policy during the time frame of the policy.

Permanent life insurance policies typically cost more than Term life insurance. However, permanent policies may last a lifetime and they have the ability to build a cash value.

Cash Value Life Insurance policies can be used as a tax-free method of retirement or estate planning. Similar to a Roth IRA, cash value life insurance policies can provide tax-free growth on your non-qualified savings. Unlike the Roth, life insurance policies can be structured to accommodate very large contribution amounts. Some policies can be structured to provide a Guaranteed Lifetime Income similar to an annuity.

A family moment

Life Insurance death benefits normally payout tax-free to beneficiaries so it is a tremendous tool used to pass on wealth. I.R.S. tax code 7702 specifies the ways that life insurance policies can be used to your tax-free benefit. Our experienced advisors can help structure a life insurance policy that is just right for your needs.

Ask our advisors if an Irrevocable Life Insurance Trust (ILIT) is right for your Estate Plan.

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“I have been so impressed with my IUL! I was able to borrow money from my fund, continue to make returns on my money in the fund, and then reinvest the money I borrowed to make astronomical returns! This has provided an amazing opportunity to leverage my investments into programs that fit my needs. I have since referred my closest friends to Universal Retirement. They take the time to walk through your strategy and objections to figure out what works for you!”

Larry White Jr.
Catalyst & Creator of Opportunities

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