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	<title>New answer on: Why Buy Universal Life Insurance?</title>

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		<title>By: Joan Holzer</title>

		<link>https://insurancelibrary.com/life-insurance/why-buy-universal-life-insurance</link>

		<dc:creator>Joan Holzer</dc:creator>

		<pubDate>Fri, 21 Jun 2013 17:52:10 +0000</pubDate>

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		<description><![CDATA[Universal life insurance is a great option for the client who wants more protection than is offered by term, but does not want to go to the expense of a whole life policy. It gives the client the greatest amount of permanent death benefit for the least amount of cost.]]></description>

		

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		<title>By: David Racich</title>

		<link>https://insurancelibrary.com/life-insurance/why-buy-universal-life-insurance</link>

		<dc:creator>David Racich</dc:creator>

		<pubDate>Thu, 20 Jun 2013 21:39:40 +0000</pubDate>

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		<description><![CDATA[Life insurance is a mortality product. It is used in three major planning modules: indemnification, income and inheritance.

If you have ongoing permanent financial liabilities or inheritance issues guaranteed universal life insurance is the best alternative to pay for coverage. 

For tax advantaged income current assumption universal life has three crediting method options for long term savers and investors: interest rate, indices and separate sub accounts that use market equities and bonds. If the policy is designed with the lowest TAMRA compliant death benefit option, the potential for income is increased.
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