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The major advantage of a universal life policy is tax-advantaged growth. When you pay the policy premium, a portion of the premium pays for the insurance and a portion is invested. However, when you are ready to withdraw the money from your investment, your cost basis ( the portion not subject to tax) [url=http://www.1855sacramento.it/woolrich.php]www.1855sacramento.it/woolrich.php[/url] is higher with a universal [url=http://www.lotogame.fr/hollisterfrance.php]hollister france[/url] life policy. The cost base for a universal policy is equal to the sum of all your premiums - [url=http://www.lcdmo.fr/hollister.php]hollister[/url] the amount of money you have invested plus the money you have used to buy life insurance. This is very useful because increasing your cost base will ensure you pay less tax once you sell your investments within the universal life policy.
Universal life insurance provides a powerful combination of life insurance and tax-advantaged investment opportunities. Investors should realize that universal life insurance premiums work twice as hard as other premiums. They should also know that choosing the right product is an important element in the overall success of this strategy. Finally, the benefits of this strategy are magnified if you are in a higher tax bracket.

Article Tags: Universal Life Insurance, Universal Life Policy, Life Insurance, Term Insurance, Whole Life, Universal Life, Life Policy
Term insurance provides coverage for a pre-specified period. For example, term insurance is designed to protect a mortgage or provide income for your family in case of your death. You pay the term insurance [url=http://www.renaissancedestoiles.fr]louboutin[/url] premium each month and as [url=http://www.1855sacramento.it/peuterey.php]www.1855sacramento.it/peuterey.php[/url] long as you pay the premium your policy will stay in force. Once the contract reaches maturity (usually in 10 years) you need to renew your policy at a higher price. If you die while you're paying the premium your estate gets a large sum of money.
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