Life and Health Insurance

Key features of YRT-UL and what sets us apart

Do you know that YRT-UL has some very interesting advantages?

• It allows your clients to move from need to need as they move through their life cycle

• It is a flexible product and estate protection “vehicle”

The flexibility includes:

• How much to invest
• How to invest (match client risk tolerance)
• If and when to move to Level COI
• If and when to reduce insurance coverage
• If and when to withdraw cash, or use product as collateral

• Joint first, joint last available
• Increasing and level Death benefit
• Maximizer for YRT
• Strong selection of investment options

 

WHAT SETS US APART?

• Very competitive YRT COI or T100 rates
• 1% guaranteed bonus starting year 6
• Privilege in case of disability
• Extreme disability benefit 
• Critical illness rider
• Benefits included with child coverages:
  • Insurability benefit
  • Critical illness