Universal Life Insurance in Banner Elk, North Carolina
Universal Life Insurance In Banner Elk, North Carolina
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WHAT IS UNIVERSAL LIFE INSURANCE IN Banner Elk?
Product features and benefits in Banner Elk: in Banner Elk, North Carolina
Cash value benefits of universal life insurance in Banner Elk, North Carolina
¹ Withdrawals and loans will lower a policy's account value and death benefits, may have tax implications, and may cause the policy to terminate. Surrender charges will apply to withdrawals in early years, subject to a free partial withdrawal feature. Each individual should seek specific advice from their own tax or legal advisors.
² Indexed Universal Life Insurance (Clearvantage® IUL) has a 1% loan interest charge. TurningPoint Fixed Interest Universal Life (TurningPoint FIUL) has a 3% loan interest charge.
³ This policy also has surrender charges during the first 15 policy years.
Fixed interest universal life insurance - TurningPoint® FIUL Flexible
Long-term protection that builds cash value at a guaranteed minimum interest rate of 3%
Indexed universal life insurance - Clearvantage® IUL Flexible
Long-term protection that builds cash value at a guaranteed minimum interest rate of 1%, by participating in the market's gains, but not in its losses
|Term||Whole||Universal Life||Indexed Universal Life|
Cash value accumulation
Cash value access¹
Adjustable death benefit & flexible premium
S&P 500-linked growth potential
¹Any outstanding loans or indebtedness at time of death will be deducted from the death benefit.
How do I know if I’m eligible? Banner Elk, North Carolina
- The first step in getting universal life insurance coverage is completing an application.
- Next, our underwriters will review your medical history to determine if your application is acceptable, and to identify your risk classification.
- You may need to complete a medical exam.
- Your premium amount will be determined by the amount of insurance coverage you request, plus your age, gender and risk classification.
Hear from our customer in Banner Elk, North Carolina
Customize your policy with optional riders* in Banner Elk, North Carolina
*Riders may be subject to underwriting and availability and will increase premium payments. Talk to an agent for complete description and rules of each rider, including limitations and exclusions. Riders may vary by state.