Enjoy flexible premiums and protection with 万能人寿pp王者电子官网

For some people, flexibility is the key to financial security. 如果你有同样的信念, you probably also feel that as your needs change your life insurance coverage should change.

什么是万能人寿pp王者电子官网?

万能人寿pp王者电子官网 提供灵活保费组合, access to cash value and the possibility of flexible, 终身pp王者电子官网. If an increased level of control over premiums and benefit amounts is important to you, 万能人寿pp王者电子官网 may be the right choice for you.

How can flexible premiums help with the unexpected?

As with every life insurance policy, the 普遍的生活 policyholder pays premiums. 从每笔保费中扣除, the insurer collects a stated percentage to cover expenses and the cost of insurance. The remaining amount is then applied to the policy's account value, which grows tax-deferred at a competitive rate of interest.

This is w在这里 the possibility of a flexible premium arises. You can pay more into the policy than what is required. 然后, 扣除保费费用后, the remainder will go into the account value to earn interest. 相反, 如果你需要跳过一两次付款, your policy won't lapse if t在这里 is sufficient account value in the policy to cover expenses; however, this is subject to policy conditions and minimums. This flexibility lets you respond to opportunities or disruptions in your financial situation without having to restructure or repurchase your life insurance policy.

Flexible death benefits can change based on need

Another advantage of 普遍的生活 is the ability to increase or decrease the amount of coverage within certain guidelines. 这通过两种方式发生:

• 增加你的人寿pp王者电子官网范围. 随着时间的推移，你可能会发现你的 永久人寿pp王者电子官网 需求变了，比如你 买了一个更大的房子 or 又生了一个孩子. 万能人寿pp王者电子官网 allows you to increase your coverage without purchasing a new policy. 通常, additional premium would be necessary to keep the policy in force to continue lifetime coverage. Keep in mind that increases must be applied for and are subject to underwriting.
• 减少你的人寿pp王者电子官网范围. 如果你的 财务责任变更, 普遍的生活 can allow you to decrease your coverage without purchasing a new policy. The amount of the decrease is up to you, as long as it's within certain policy guidelines.

万能人寿pp王者电子官网的灵活性

普遍的生活 offers the possibility of a lifetime benefit and a guaranteed interest rate on the accumulated cash value, with the flexibility of premiums and death benefits.

For more information about whether 普遍的生活 is right for you, 与州立农场讨论你的需求^® 代理，或查看其他选项，例如 定期人寿pp王者电子官网, 定期人寿pp王者电子官网的保费返还 or 终身pp王者电子官网.

If you are interested in a quote on this type of life product, please contact a 州立农场代理.