tag:blogger.com,1999:blog-16154368568502252042011-09-17T00:47:50.741-07:00Kyle J. Nortonhttp://www.blogger.com/profile/08867522342451606309noreply@blogger.comBlogger11100tag:blogger.com,1999:blog-1615436856850225204.post-34629655722513936532008-11-08T06:05:00.000-08:002009-04-05T19:41:08.757-07:00<span style="font-weight: bold;">Our Sponsors</span><br /><a href="http://langtonlam.ltcsecrets.hop.clickbank.net/">Long Term Care Insurance Consumer Buying Guide.</a><br /><a href="http://langtonlam.insurleads.hop.clickbank.net/">Insurance Leads Generation.</a><br /><a href="http://langtonlam.tonybahu.hop.clickbank.net/">Annuities: The Shocking Secrets Revealed.</a><br /><br /><a href="http://kylenorton.homemadeen.hop.clickbank.net/"><img style="width: 405px; height: 64px;" src="http://homemadeenergy.org/aff/468x60.gif" /></a><br /><br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://kylenorton.wildmedia.hop.clickbank.net/"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer; width: 425px; height: 94px;" src="http://www.foreclosuredefensesecrets.com/images/general16-800x600-blue_02.jpg" alt="" border="0" /></a><br /><span style="color: rgb(0, 0, 0);font-family:verdana;" >As we mentioned in previous articles, </span><span style="color: rgb(0, 0, 0);font-family:verdana;font-size:100%;" >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 when is the best time to buy universal life insurance.<br />In fact, </span><span style="color: rgb(0, 0, 0);font-family:Verdana;font-size:100%;" >family goes through many different phases over time. A UL policy can be the ideal life insurance product to accompany the family through this journey.<br /><br />1. </span><span style="color: rgb(0, 0, 0);font-family:Verdana;font-size:100%;" >Marriage<br /></span><span style="color: rgb(0, 0, 0);font-family:Verdana;font-size:100%;" >Most people become aware of their insurance needs shortly after their marriage.<b> </b>A low-cost plan is often required since young couples seldom have large amounts of disposable income. The UL policy allow </span><span style="color: rgb(0, 0, 0);font-family:Verdana;font-size:100%;" >them to deposit more funds into their plan to fund their future needs.<br /><br />2.</span><span style="color: rgb(0, 0, 0);font-family:Verdana;font-size:100%;" > Birth of children<br />As children are born parents wish to place additional coverage on their own lives. </span><span style="color: rgb(0, 0, 0);font-family:Verdana;font-size:100%;" >If parents wish to place insurance on the lives of the children, this can be done either in the form of a children term rider on the parent's plan or as a separate permanent UL plan for the children.<br /><br />3. </span><span style="color: rgb(0, 0, 0);font-family:Verdana;font-size:100%;" >Buying a home<br /></span><span style="color: rgb(0, 0, 0);font-family:Verdana;font-size:100%;" >When the insured buys a house, they usually take on a mortgage. This translates into a temporary increase in insurance need.<b> </b></span><span style="color: rgb(0, 0, 0);font-family:Verdana;font-size:100%;" >This need can be filled either via a term rider or additional base coverage.<br /><br />4. </span><span style="color: rgb(0, 0, 0);font-family:Verdana;font-size:100%;" >Planned expenses<br />During the course of the life of the UL plan, the policyholder may need to access some of the funds accumulated in the policy.<br /><br />5. Taxes and final expenses<br /></span><span style="color: rgb(0, 0, 0);font-family:Verdana;font-size:100%;" >Life insurance proceeds may be used to pay capital gains taxes and final expenses to ensure that estate assets pass directly to a couple's heirs. A last to die joint policy will enable this to happen.<b><br /><br /></b></span><span style="color: rgb(0, 0, 0);font-family:verdana;" >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:</span><br /><br /><a style="color: rgb(0, 0, 0); font-family: verdana;" class="linkification-ext" href="http://lifeanddisabitityinsuranceunderwriter.blogspot.com/" title="Linkification: http://lifeanddisabitityinsuranceunderwriter.blogspot.com/">http://lifeanddisabitityinsuranceunderwriter.blogspot.com/</a><br /><span style="color: rgb(0, 0, 0);font-family:verdana;" ><a class="linkification-ext" href="http://life-insurance12.blogspot.com/" title="Linkification: http://life-insurance12.blogspot.com">http://life-insurance12.blogspot.com</a><br /><a class="linkification-ext" href="http://lifeinsurancexiii.blogspot.com/" title="Linkification: http://lifeinsurancexiii.blogspot.com">http://lifeinsurancexiii.blogspot.com</a></span> <span class="post-author vcard"> Posted by <span class="fn">Kyle J. Norton</span> </span> <span class="post-timestamp"> at <a class="timestamp-link" href="http://life-insurance14.blogspot.com/2008/11/what-is-investment-bonus-in-universal.html" rel="bookmark" title="permanent link"><abbr class="published" title="2008-11-01T09:59:00-07:00">9:59 AM</abbr></a> </span> <span class="reaction-buttons"> </span> <span class="star-ratings"> </span> <span class="post-comment-link"> </span><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/1615436856850225204-3462965572251393653?l=life-insurance17.blogspot.com' alt='' /></div>Kyle J. Nortonhttp://www.blogger.com/profile/08867522342451606309noreply@blogger.com1