可变万能人寿保险
Variable universal life insurance is permanent life insurance—it remains in force for the policyholder's whole life. 和, 就像万能人寿保险一样, it provides a flexible premium and an adjustable benefit—meaning the policyholder decides how much to put in the policy above a set minimum. By extension, the policyholder also determines the face amount of the policy.
The difference between variable universal life insurance and other types of permanent insurance is that 投保人决定如何投资保费. This provides access to the potentially higher returns provided by the financial markets. It also means returns could underperform those provided by other life insurance products.
Generally, there are several subaccounts in which the policyholder may choose to invest. There may be a fixed-interest option as well as various stock, bond, or money-market choices. Guarantees are based on the claims-paying ability of the issuing company.
像其他类型的永久人寿保险一样， 投保人甚至可以借一部分保单的现金价值 在相当优惠的条件下. 和 interest payments on policy loans go directly back into the policy’s cash value.*
当投保人死亡时，他或她的受益人将从该保单中获得利益. Depending on how the policy is structured, benefits may or may not be taxable.
Variable universal life insurance has unique features that may be attractive to some insurance buyers. 然而, a variable universal life insurance policy also has options that must be clearly understood before an individual commits to a policy.
*一般, loans taken from a policy will be free of current income taxes provided certain conditions are met, 如保单不失效或不到期. Keep in mind that loans and withdrawals reduce the policy’s cash value and death benefit. 贷款也增加了政策失效的可能性. 如果政策失效, 成熟, 或者是投降, 贷款余额将被视为分配，并应纳税.
Accessing the cash value in your insurance policy through borrowing—or partial surrenders—has the potential to reduce the policy’s cash value and benefit. Accessing the cash value may also increase the chance that the policy will lapse and may result in a tax liability if the policy terminates before your death.
Variable universal life insurance can be structured so that the cash value that accumulates will eventually cover the premiums. 然而, additional out-of-pocket payments may be required if the policy’s dividend decreases or if investment returns underperform.
Several factors will affect the cost and availability of life insurance, 包括年龄, 健康, 以及所购买保险的种类和金额. Life insurance policies have expenses, including mortality and other charges. 如果保单过早放弃, the policyholder also may pay surrender charges and have income tax implications. You should consider determining whether you are insurable before implementing a strategy involving life insurance. Any guarantees associated with a policy are dependent on the ability of the issuing insurance company to continue making claim payments.
Withdrawals of earnings are fully taxable at ordinary income tax rates. 如果你的年龄在59岁半以下, you may be subject to surrender charges and assessed a 10% federal income tax penalty. 此外，提款会减少合同的收益和价值. 人寿保险不是联邦存款保险公司承保的. It is not insured by any federal government agency or bank or savings association. Depending on the performance of variable life and variable universal life insurance, 账户价值将随着市场情况的变化而波动. 在任何时候, the account value may be worth more or less than the original amount invested in the policy.
Please consider the investment objectives, risks, charges, and expenses before investing. Variable life and variable universal life insurance are sold by prospectus only. Information on fees and expenses can be found in the prospectus or obtained from your financial professional. 请在投资或汇款前仔细阅读招股说明书.
The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. 请咨询法律或税务专业人士 获取有关您个人情况的具体信息. This material was developed and produced by FMG套件，提供信息的一个主题，可能是感兴趣的. 手机赌博软件下载不隶属于指定的经纪自营商, 国家或证券交易委员会注册的投资咨询公司. 所表达的意见和 所提供的资料仅供一般参考, 并且不应该被认为是对购买或 出售任何证券. 版权 手机赌博软件下载.
