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- What is universal life insurance? Universal life insurance is an all-in-one way to get the protection you need and build your savings at the same time. It combines life insurance protection for lifelong peace of mind with asset growth.
www.sunlife.com.hk/en/insurance/universal-life/
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Universal Life is a flexible-premium life insurance plan designed to help you grow, preserve and transfer your wealth. In addition to life protection, it offers long-term savings potential to meet your wealth accumulation and wealth transfer needs.
Universal life insurance is an all-in-one way to get the protection you need and build your savings at the same time. It combines life insurance protection for lifelong peace of mind with asset growth.
宏利「萬用壽險」是可靈活調整保費的儲蓄人壽保險，讓您得到身故賠償外，更助您累積及轉移儲蓄財富。 馬上了解更多宏利的儲蓄人壽保險計劃。
- What Is Universal Life (UL) Insurance?
- How Universal Life (UL) Insurance Works
- Pros Explained
- Cons Explained
- Universal Life Insurance vs. Term Life Insurance vs. Whole Life Insurance
- The Bottom Line
Universal life (UL) insurance is a type of permanent life insurance that, like other permanent insurance, has a cash value element and offers lifetime coverage as long as you pay your premiums. Unlike whole life insurance, universal life allows you to raise or lower your premiums within certain limits, and it can be cheaper than whole life coverage...
UL insurance provides more flexibilitythan whole life insurance. Policyholders can adjust their premiums and death benefits. UL insurance premiums consist of two components: a cost of insurance (COI) amount and a saving component, known as the cash value. As the name implies, the COI is the minimum amount of a premium payment required to keep the p...
Flexible Premiums
Unlike whole life insurance policies, which have fixed premiums over the life of the policy, a UL insurance policy generally has flexible premiums—within limits. Policyholders can make payments that are more than the COI. The excess premium is added to the cash value and accumulates interest.Alternatively, if there is enough cash value, policyholders may lower or skip payments without the threat of a policy lapse.
Possible Flexible Death Benefit
Your policy may allow you to increase the size of your death benefit, although that may require a medical exam. You may also be able to lower your death benefit to lower your premiums.
Potential Cash Value Growth
Like all permanent life insurance, a UL insurance policy can accumulate cash valuein something like a savings account. The cash value earns interest based on the current market or the policy’s minimum interest rate, whichever is greater. As it accumulates, policyholders may take out a portion of the cash value in the form of partial withdrawals or loans.
Risk of Large Payment Requirements or Policy Lapse
While the ability to lower your premiums and to make withdrawals in times of need help make universal life a very flexible insurance type, you have to watch your account carefully. If your cash value falls to zero and your premiums don’t cover the cost of insurance, then your policy can lapse.
Returns Are Not Guaranteed
If interest rates drop, your cash value may not perform well.Unlike whole life, universal life cash value does not earn a guaranteed rate. However, most UL policies come with a minimum rate so that your losses are limited.
Some Withdrawals Are Taxable
When UL policyholders withdraw some of the cash value, it will be taxable. In general, life insurance is taxed on a first in, first out (FIFO) method, meaning that the policy owner will receive their investment in the contract first before receiving any gains in the policy (or being taxed on those gains).However, if you withdraw more than you’ve paid into the policy, your withdrawals will be taxed.
Universal life is a form of permanent life insurance that gives policyholders flexibility in paying premiums, a cash savings component, and a death benefit. Universal life insurance allows you to borrow against or cash in their savings portion, which grows tax-deferred over your lifetime. Term life provides coverage, often through an employer, for ...
Universal life (UL) insurance is a form of permanent life insurance with an investment savings element, loan options, and flexible premiums. UL policies provide the option to raise or lower premiums, within limits, so they can be less expensive than whole life coverage. You just have to be careful that your cash value doesn’t drop so low that eithe...
- Julia Kagan
- 1 分鐘
1. 抓緊長遠的財富增值潛力. 透過增長戶口派息率1，最高為9.1%（根據截至2023年1月的上限利率2），讓您的財富得到可觀的增長潛力。. 2. 提供雙重保證，無懼市況下行. 在您不幸身故、完全退保或保單期滿時，計劃透過 每年2.75%3的累積保證利率，確保您的財富 ...
什麼是萬用壽險? 萬用壽險是保障加上儲蓄成分的二合一計劃，既有 人壽保險 給您無後顧之憂外，更能讓資金不斷增值。 萬用壽險特別適合: 想在投保退休儲蓄計劃外加強儲蓄步伐的人士. 想把更多資金留給下一代兒孫的父母. 想在理想的稅務安排下, 保障公司資產總值的生意人. 各類萬用壽險: 精選. 明智創富萬用壽險. 保障年期：終身. 一筆過保費. 保證最低派息率. 並以美元結算. 永耀萬用壽險. 保障年期：120年. 具備長遠財富增值潛力. 提供雙重保證無懼市況下行. 以上資料僅作為產品目錄概要，要了解詳情，請聯繫您的理財顧問。 有關釋義及完整的條款及細則的詳情，請參閱各相關的保單文件樣本。 如果此產品目錄與保單文件內容不符，則以保單文件為準。 產品更新: 各產品的 過往派息率.
2024年2月20日 · If you’re looking for a life insurance policy with lifelong coverage, one option worth considering is universal life insurance. We break down the options available for this type of policy.
