What Is A Permanent Life Insurance Policy?

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   David RacichPRO

   Fountain Hills, Arizona

   There are five types of permanent life insurance policies: Participating whole life, guaranteed universal life, current assumption universal life, indexed universal life and variable universal life. Participating whole life and guaranteed universal life are used for indemnification planning. Participating whole life, with a max term rider and paid up additions rider can be used for income as can current assumption universal life, indexed universal life and variable universal life. The income design must conform to TAMRA and minimize the death benefit amount to optimize the crediting methodology.
    

   Answered on June 5, 2013

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