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The Profiles Series - Lincoln University

Life Insurance 13 - the Advantage and Disadvantage of Universl Life Insurance

As we mentioned in previous articles, UL plans are unbundled, the various components of the plan such as insurance charges and earned interest can each be isolated and quantified. Consequently, they are much easier to understand and explain than traditional bundle permanent life insurance products. In this article, we will discuss the tax advantage of the universal life policy.
There are many factors that universal life policyholder must consider when go into deciding which investment options to choose within a UL plan. Guaranteed interest accounts, for example, are less risky and indexed accounts which have a larger potential rate of return.

1. Advantage
a) Most UL plans allow the policyholder to allocate deposits in a way that matches their risk philosophy. Such a plan may change its investment allocation as the policyholder gets older, negating the need for the policyholder to monitor the UL investment mix to ensure that it is consistent with the policyholder's investment philosophy as that changes.

b) Tax-advantaged status
Investments that invest in the insurance company's general funds, have advantage of prefer tax status, no matter which outside index is linked to particle index or mutual fund account, if the actual funds is invested in the general fund of the insurance company, they will not be subject to annual taxation. If the client would like to invest outside of the company's general fund, many insurers have segregated funds attached to their UL contracts and of course, any investment return of these funds is taxable annually.

c) Depending on the type of fund, the income may benefit from tax preferred status if the growth in the fund can be attributed to capital gains or dividends.

d) The used as a carrier fund or shuttle account to automatically receive proceeds from the sheltered accounts should the plan become non-exempt and the funds must be refunded.

e) Non-sheltered investment accounts allow a policy to become paid-up early, often as quickly as with one deposit.

f) If the UL plan can be registered, a non-sheltered account becomes a sheltered account as, once registered, it forms part of the policyholder's 401k or RRSP plans.

g) Investment returns accumulated in the universal life policy is tax free because they form part of life insurance, if payable to beneficiary upon the death of life insured.

2. Disadvantage
a) Fund invest outside of the company's general fund, many insurers have segregated funds attached to their UL contracts and invest outside of the company's general fund. any investment return of these funds is taxable annually.

b) Limited choice of investments.

c) Investment return of funds withdrawn from universal life insurance policy are taxable.

I hope this information will help. If you need more information, you can read the complete series of the above subject at my home page:

http://lifeanddisabitityinsuranceunderwriter.blogspot.com/
http://life-insurance12.blogspot.com
http://lifeinsurancexiii.blogspot.com

All rights reserved. Any reproducing of this article must have all the links intact.

About the Author

I have been studying natural remedies for disease prevention for over 20 years and working as a financial consultant since 1990