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Angel Manuel Sierra Cruz
Chairman / CEO
Universal Life Insurance
What is Universal Life Insurance?
It's a flexible product that allows you to take control of your financial future and manage it as you need to. Universal Life Insurance provides the flexibility to choose how much you will contribute monthly, quarterly, semi-annually or annually, for how long you will contribute and whether your contribution increases or decreases over time.
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Like Permanent Life Insurance, it lasts until age 121 and combines a savings component with lifetime protection. CPR of PR works several alternatives in Universal Products. Among its alternatives are:
Guaranteed Universal Insurance
Some of the main benefits are:
This product offers guaranteed lifetime death benefit protection and the option of cash back on the policy if your needs change in the future.
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​What are the benefits of this product for you?
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Take care of your family's basic needs
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Maintains your spouse's standard of living during retirement years
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Ensures the continuity of the family business
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Supports the education of your children and/or grandchildren
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Pay taxes and final expenses
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Accelerated benefits (ABR's) from your policy, in the event of a chronic, critical or terminal illness
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Tax-advantaged wealth transfer
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With Guaranteed Universal Life Insurance, you can customize the duration of your guaranteed death benefit. You can select the amount of coverage you need. You get a cash refund of the policy at specified later dates if your needs change. Helps relieve financial stress and pressure by accelerating the death benefit in the event of a qualifying health condition.
What other benefits does this product have for you?
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​Take care of your family's basic needs
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Maintain your spouse's standard of living during their retirement years
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Ensures the continuity of the family business
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Complete the education of your children and/or grandchildren
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Payment of taxes and final expenses
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Transfer of wealth with tax advantages
With Guaranteed Universal Life Insurance, you can customize the duration of your guaranteed death benefit. You can select the amount of coverage you need.
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You get a cash refund of the policy at specified later dates if your needs change. Helps relieve financial stress and pressure by accelerating the death benefit in the event of a qualifying health condition
Signature Performance Indexed Universal Life Insurance
This life insurance policy is permanent and provides both a death benefit and the ability to build accumulated value. The indexed universal life insurance policy offers the ability to earn interest based on the performance of an index.
This is a cash accumulation oriented product and is designed to maximize accumulation based on the growth of the S&P 500®, Nasdaq-100 and S&P MARC 5%.With this type of policy, you never invest directly in the market and your policy is never credited with a negative interest rate due to adverse market performance.
It allows you to take advantage of potential increases in the index while maintaining a level of protection should the index fall below 0%. However, due to monthly deductions from your policy, your accumulated value may decrease.