Flexible Universal life is a new type of Life Insurance aptly called UNIVERSAL. It's designed to meet ALL your current and future life insurance needs. Because of its unique FLEXIBILITY, you can readily adjust your protection as your circumstances change. Flexible Universal Life offers you all the advantages of a flexible Life Insurance program coupled with a competitive interest, earning cash accumulation program.

• Flexible premiums
• Flexible benefits
• Tax-advantaged cash accumulation
• Lifetime security for you and your family

POLICY DESCRIPTION

PREMIUM FLEXIBILITY

INTEREST

Guaranteed Interest Rate - The guaranteed minimum interest rate for the accumulation account is 4.5% compounded annually.  The interest rate can never be less than the guaranteed minimum.

DEATH BENEFIT OPTIONS

Option A - Increasing Death Benefit - The total death benefit is defined as the current Principal Sum (pure insurance) plus the accumulation account. The amount of pure insurance remains level.

Option B - Level Death Benefit - The total death benefit is the current Principal Sum, unless increased by IRS guidelines. Therefore, as the accumulation account increases, the pure insurance protection decreases.

The policy always needs to contain a certain amount of pure insurance protection in order to maintain its "life insurance" status for favorable tax treatment. Therefore, when the accumulation account increases to the point of nearing total death benefit, the total death benefit will automatically increase so as to maintain the corridor. Since the accumulation account will continue to grow, the total death benefit will increase accordingly.

Phone: 877-4-TIA-INFO (877-484-2463)
Fax: 877-FAX-4-TIA (877-329-4842)

email: theodore insurance agency