Our Universal Life Insurance Portfolio includes six unique plans, each with competitive
pricing, easy-to-understand insurance coverage and tax-deferred cash accumulation.
We also offer unique policy provisions that could provide tax-free distributions
during retirement: extended coverage beyond age 100 that ensures that the policy
matures as a death benefit; fully paid-up, reduced coverage which avoids taxes that
may be triggered upon lapse; and wash loans which allow for higher non-taxed income
flow.
Products
- NexGen UL*
- Asset Accumulator**
- Value Accumulator**
- Budget Manager 3**
- Budget Manager 4**
- Asset Builder**
- Essential**
- Pan-American Essential plus**
- Flexilife 5
- Flexilife 6
- Flexilife 7
- Flexilife 8
- Flexiplus
* NexGen UL is not offered in the following states: Delaware, Maryland, Missouri, Oregon, Pennsylvania and New Jersey
** The following products are available in: Delaware, Maryland, Missouri, Oregon and Pennsylvania
Product Highlights
- Extended mortality beyond age 100
- Contractually guaranteed wash loans
- Guaranteed reduced paid up
- Tax Advantaged Product Uses
- Deductible Salary Continuation -- providing non-qualified salary continuation with
tax deduction.
- 1035 Loan Rescue -- eliminating policy loans with no adverse tax consequences. See
your tax advisor.