Boca Raton Real Estate, Delray Beach Real Estate, ALL Palm Beach County Real Estate, Marilyn Farber Jacobs

You can protect, preserve and
grow your retirement funds
with universal
life insurance...
let Marilyn show you the way...

Universal Life
More Control
by Policy Holder
... Pays death benefit to named beneficiary/beneficiaries
... Offers you low risk tax-deferred cash value
... Offers separate accounts for you to invest in including money market, stock and bond funds
... Offers premium flexibility
... You can make withdrawals or borrow from the policy during your lifetime
... States that if you terminate policy in early years you receive less cash value total return than in a whole contract
... You need to devote time to choose the investments
... Works best with larger premium amounts as premium must cover your insurance and accounts

· FOUR index Options and THREE crediting methods provide a potentially strong cash-value

· Daily sweeps • premium allocated to index bucket on trading day, upon receipt

Looking for life insurance?

Watch your weight and kick the habit first !

Important issues relating to getting coverage and the amount your premium will be include smoking and being overweight. One UK study found that the average smoker paid 56% more than a non-smoker for life insurance.

Companies consider you a non-smoker if you have not used tobacco for the previous 12 months, others for a 5 year period.

Folks with a BMI (body mass index) of 28 or more may have to pay and extra 50% in premium. This is a recent industry reduction of 16%. BMI is calculated by dividing your weight by your height and the result squared.

Other factors that underwriters consider include current and past health history, drug or alcohol use, your profession/avocation, medications, travel.