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Universal Life Insurance Company

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Empire Financial Specialists, Corp.


Our most popular Life Insurance plan is called Universal Life Insurance. It has some very attractive features, the main one being the ability to save money and have insurance coverage at the same time. The money you deposit serves not only the purpose of covering your costs, but also the purpose of creating you some savings for you to enjoy in life. The money will accumulate (similar to a savings account) and in the future you will be able to use it for Retirement, College Tuition, Paying Off your house, or anything you desire to do.All that knowing that if anything were to happen to you, your beneficiaries would be covered by a nice Life Insurance coverage. Imagine if your car insurance were like that. Imagine that If you didn’t have a claim for a certain number of years they’d return your premiums with interest.... Well, that is the idea of the Universal Life plan.

Address: 343 Ives Dairy Rd suite 06
Miami, FL: 33179 - USA

Telephone: (305) 654-1400
Fax: (305) 675-5859
Email: mpassos@efscorp.com
Web: www.efscorp.com

Category: Life Insurance Company, Universal Life Insurance


Did you Know?

Universal Life Insurance

Universal life insurance is a relatively new insurance product intended to provide permanent insurance coverage with greater flexibility in premium payment and the potential for a higher internal rate of return. A universal life policy includes a cash account. Premiums increase the cash account. Interest is paid within the policy (credited) on the account at a rate specified by the company. This rate has a guaranteed minimum but usually is higher than that minimum. Mortality charges and administrative costs are charged against (reduce) the cash account. The surrender value of the policy is the amount remaining in the cash account less applicable surrender charges, if any.

The universal life policy addresses the perceived disadvantages of whole life. Premiums are flexible. The internal rate of return is usually higher because it moves with the financial markets. Mortality costs and administrative charges are known. And cash value may be considered more easily attainable because the owner can discontinue premiums if the cash value allows it. And universal life has a more flexible death benefit because the owner can select one of two death benefit options. Option A pays the face amount at death and Option B pays the face amount plus the cash value.

But universal life has its own disadvantages which stem primarily from this flexibility. The policy lacks the fundamental guarantee that the policy will be in force unless sufficient premiums have been paid and cash values are not guaranteed.

A type of universal life is called variable universal life in which the rate of return on the cash account is related to stock or bond market fluctuations.

Whole Life Insurance Good Investment

Whole life insurance provides for a set face amount, a level premium, and a cash value table included in the policy guaranteed by the company. The primary advantages of whole life are guaranteed death benefits, guaranteed cash values, fixed and known annual premiums, and mortality and expense charges will not reduce the cash value shown in the policy. The primary disadvantages of whole life are premium inflexibility, death benefit inflexibility, cash value accessibility is limited, and the internal rate of return in the policy may not be competitive in with other savings alternatives.



Florida Brasil.com Disclaimer:

Florida Brasil.com insurance page is not responsible for any kind of life insurance company quote and rates, Florida Whole Life Insurance company, Mortgage Insurance Agency. We just advertise their services, nothing else. Florida Brasil does not offer any kind of insurance plan and we have no relationship with our advertisers. Please before you decide to get an apartment insurance, home insurance, car insurance or any kind of insurance, research for the best insurance company on the market.

We advertise the following location in Florida: Miami Dade (Miami, North Miami, Miami Beach, Kendall, Aventura,South Beach, Downtown Miami) Broward (Fort Lauderdale, Pembroke Pines, Miramar, Pompano Beach) Deerfield Beach, Boca Raton e West Palm Beach.Orlando e Tampa.



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