Universal Life Insurance

A flexible premium Life Insurance Policy under which the policyholder may change the death benefit from time to time (with satisfactory evidence of insurability for increases) and vary the amount or timing of premium payments. Universal life insurance is a permanent policy (covers you for your entire life) that gives the owner the rights to vary premium payments and the death benefit within certain prescribed limits. This type of policy also includes an accumulation account whose rate of return fluctuates according to investment performance but will not fall below a guaranteed minimum rate of return, such as two or three percent. The actual premium paid may increase because interest rates may go lower or the projected cost of insurance may increase.

Sansevieri Insurance can help you through the process, serving Laguna Beach and all of California.  Call us  today at (949) 722-6078