Universal Life Insuance

Universal Life Insurance is designed for those with more sophisticated financial and life insurance needs. The flexibility it provides can help you meet a wide array of insurance objectives from the most basic to the most complex. A universal life insurance policy allows you to protect against risks for today and in the future. The premium and death benefit flexibility of universal life insurance gives you the ability to match your protection to your needs, whatever they may be down the road. The cash value can also help you meet a variety of other financial objectives. Uncertainty of estate tax laws has made estate planning more challenging than ever. While this uncertainty has caused some to postpone estate planning needs, doing so may jeopardize the financial future of family and/or businesses. Universal life insurance can help you achieve the financial security that comes from protecting and preserving the estate you’ve built over your lifetime. Its flexibility allows you to adjust the policy when changes in estate tax legislation, your financial situation or any other circumstances trigger a need to review your estate planning strategy. A universal life insurance policy's ability to accumulate cash value on a tax-deferred basis can provide solutions for a variety of financial and insurance needs. Because of the great amount of flexibility, the design of universal life insurance works especially well with: Buy/Sell Arrangements Key Person coverage Nonqualified Executive Benefit Programs Endorsement Split Dollar Plans General Corporate Liability Funding Financing Employee Stock Ownership Plans Contact Dave Ramsey (david.ramsey@wtphelan.com) today at (617) 876-0876 ext. 23 or visit our Cambridge branch location, to request a personalized assessment of your Life Insurance needs.