Ask Yourself These Questions
GUARANTEES
- Is your cash value or account value guaranteed?
- Is your death benefit guaranteed?
- Are your premiums guaranteed never to increase?
- Are any of these guarantees important to you?
CHARGES
- What are your charges?
- What percent of your premium payment is going towards your charges?
- How have those charges eaten away at your account value?
STOCK-MARKET LIKE RETURNS
- What does it really mean to have a 'floor'?
- Does it mean your account value can't decrease?
- Do the earnings that get credited to you include dividends that the index earned?
- What is the Participation Rate?
NO-LAPSE GUARANTEE
- Do you have a no-lapse guarantee?
- How many years is this been in place?
- What can void this feature in your policy?
FLEXIBLE PREMIUMS
- Were you told you could skip payments?
- Were the long-term consequences of skipping payments explained to you?
- Do you know if your premiums can be increased in the future β even after you completed your scheduled premiums?
FINANCIAL STABILITY
- What is the financial strength of your insurance carrier?
- How much of their assets are high-risk assets?
- How confident are you they will be around 10, 30, or 50 years from now to pay your death claim?
OUR UL RESCUE OFFER
GOOD NEWS! We Have An Offer For You.
Because our mission is to teach and show you the 'WHOLE truth' about money, we want to offer you our 'UL Rescue Service.' This service allows us to review and analyze your existing universal life (UL), index universal life (IUL), variable universal life (VUL), insurance policy(ies). (We will also review your whole life, and term life policies as well).
For only $99 per person (up to 4 policies per person), we will help you to understand:
- What coverage you actually have
- The charges and fees in your policy
- The guarantees you have (and don't have)
- What surprises might be in your future
- The financial health of your insurance carrier
- Your options if you decide your policy does not align with your goals
Follow the steps below to get your UL Rescue Service started.
*Do NOT cancel your existing policies before you have your UL Rescue Review
Step One
Get a PDF copy of your life insurance contract.
Step Two
Call your carrier's Customer Service department to request an Inforce Illustration. Get a PDF copy.
Step Three
Scan a PDF copy of your Annual Statement (you should have received it in the mail but you can request it from Customer Service as well).
Step Four
Complete the form below to start your UL Rescue Review.
