Insurance, Annuities, and Investments
Universal life provides coverage for your family or business with flexible premiums that may allow you to pay for life insurance on your schedule. Universal life insurance policies may also build cash value that can be used for any reason. Flexible universal life insurance premiums may be especially helpful for those who own their own business or whose jobs may provide a paycheck that varies month to month.
Universal life insurance provides permanent coverage so that in the event of your passing, your family is protected. Some universal life policies offer an option to guarantee the death benefit as long as specified premiums are paid.
As long as there is enough value in your policy to cover the cost of insurance and administrative charges, you can decide how much premium to pay within certain limits. This means you have the option to pay extra sometimes, and less when you might need to.
Depending on the premium you choose to pay, your policy may build account value. And if your policy builds enough account value, you can borrow from your policy for any reason you choose.1
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When you work with a financial professional, you can expect:
During your initial phone call, your financial professional will ask you questions to understand your financial goals and objectives.
After looking at your entire financial picture, your financial professional will provide you with suggestions to fill in the gaps so you can choose the products best suited for your situation.
If you're satisfied with their recommendations, they work with you to secure the products and services to help ensure your financial future. This may require a medical exam.
Your financial professional will work with you over time through periodic reviews to help you monitor the strategies in place, and their capacity to continuously meet your goals.
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1 Access to account values through borrowing and/or withdrawals will reduce the cash surrender value and may reduce the policy death benefit. Taking a policy loan could have adverse tax consequences if the policy terminates upon lapse or surrender or before the insured's death.
Insurance products issued by Massachusetts Mutual Life Insurance Company (MassMutual) (Springfield, MA 01111-0001) and its subsidiaries, C.M. Life Insurance Company and MML Bay State Life Insurance Company (Enfield, CT 06082).