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Cash Builder II
Cash Builder II Universal Life Insurance is a modern, adaptable form of permanent life coverage designed to grow with you. It offers lifelong protection while giving you control over your premiums, coverage amount, and savings growth.
🔄 Flexible Features
Adjustable Premiums: Pay more, less, or even skip payments (within policy limits).
Customizable Coverage: Increase or decrease your death benefit as your financial needs change.
Cash Value Growth: Build savings over time with guaranteed minimum interest credited to your policy.
Loans and Withdrawals: Access your policy’s cash value through interest-free loans or direct withdrawals. These funds can be used for any purpose, but they reduce the policy’s cash value and may impact future benefits.
💼 Transparent Cost Structure
Your policy clearly outlines how your premiums are allocated across three key components:
| Pricing Factor | Description |
|---|---|
| Mortality Charges | The cost of life insurance coverage, based on age, health, and coverage amount. |
| Interest | Earnings on your cash value, often with a guaranteed minimum rate. |
| Expenses | Administrative fees, premium loads, and other policy-related costs and service charges. |
These elements are listed separately, giving you full visibility into how your policy performs and evolves.
📈 Why Choose Universal Life?
- Ideal for long-term financial planning
- Offers protection with built-in savings through the policy’s cash value
- Adapts to life changes like career shifts, family growth, or retirement goals
📲 Ready for protection that has a lot of freedom in choosing your premiums and benefits during your life? Tap “Book Appointment” to customize your coverage and ensure tomorrow is always secure.