Universal Finance will take you through a plalnning process that you can use to assess your needs, goals, and options. You'll be able to choose what how much your lifestyle will cost.
People buy life insurance for all kinds of reasons.
Some people want to make sure their family will be well taken care of if they die.Some want to set up their estate to try to minimize their tax burden and make sure more of what they’ve earned goes to their heirs. And there are still others who use life insurance to help them buy out a business partner or to provide additional executive benefits for key employees.
Regardless of why someone may come to us for help, we have a product designed to fit exactly what they’re looking for. We’d like to tell you a little about the different types of insurance we offer and some of the ways you can use our products to round out your financial plan.
- Term Life Insurance
- Permanent Life Insurance
- Universal Life Insurance
- Critical Illness Insurance
- Disability Insurance
- Overahed Expenses Insurance
- Long-Term Care Insurance
- Travel Insurance
- Visitor Insurance
- Supplementary Health Insurance
We also have information for you about using Life Insurance for:
- Family Planning
- Retirement Planning
- Estate Planning
Getting prepared for your retirement is easily the single largest financial goal you’ll save towards in your lifetime.
As you probably already know, saving for retirement takes you down one of two paths: saving on your own, or participating in a pension or savings plan through your job.
Everything you do with money requires a plan, whether you realize it or not. Without a thoughtful plan, you're bound to get lost or confused.
Planning doesn't have to be difficult. We have simplified basic financial planning into four questions—you could ask them whether you're buying a car, taking a trip, or setting your sights on retirement.
The right financial strategy can add thousands of dollars to the pool of money that you'll rely on for income. To finance your retirement lifestyle, you'll need to choose the appropriate income options for your situation. And you'll need effective management to make your retirement capital last. Remember, you may be relying on it for 20 years or more.
We will help you:
- Choose what you'd like to do in retirement and estimate the costs
- Size up your retirement income options
- Calculate your sources of income
- Select the right investment strategy
- Create a tax-efficient investment strategy
Estate planning will allow you to be remembered the way you want. To leave a legacy to the ones you love that reflects your wishes and gives purpose to what you've accomplished in your life. Without estate planning, that likely will not happen.
You decide on the kind of legacy you leave. Your loved ones can be left to struggle with dozens of questions and legal issues and paying unnecessary taxes.
We can help you to create an estate plan that will ensure your assets are passed along with no problems and minimal taxes.
We are committed to protecting the privacy, confidentiality and security of the personal information we collect, use and disclose. Your personal information, including your medical history, will be collected, used and disclosed only for the purpose of providing you with the requested insurance services.
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