Variable Universal Life insurance is quite a unique breed of Universal Life that most have come to know of. Swiss Life Alpha Plus Fixed Coverage is a Variable Universal Life Insurance. Transfer your bankable and appraisable assets to fund this policy’s premium and protect your legacy for future generations. This reduces the need to sell off your assets to pay the premium and guarantees that they are still invested according to your preferences.
In addition to giving you and your loved ones the confidence of a high level of life coverage, this puts you in the greatest possible strategic position to profit from any potential investment upside (You are in control of the investments).
Some things to note. This post will get dated. And the product might not be available for new subscriptions at some point. Hopefully this serves as reference for future policyholders who have forgotten what they have taken up.
Understand proper that you have control over the investment strategy with the engagement from me as a PhillipCapital representative. This is unlike most Universal Life (UL) where the client has no influence on the investment strategy and gets periodic notifications on the crediting rate.
One way of thinking about this, is whatever listed securities portfolio that you have, a wrapper providing insurance coverage on top of that very investment portfolio, is the nature of this product.
Swiss Life Alpha Plus Fixed Coverage may or may not fit into your financial plans. Understand that there is no best plan for all time, but there is a method to objectively facilitate your decisions. Read more about it here.
[…] (LAP) is a wealth structuring solution offering limited liquidity on death of up to USD50,000, and Alpha is a Variable Universal Life (VUL) product that can provide a high death benefit. Swiss Life Gemstone fits between these products as a hybrid […]
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