990 Hammond Drive
Atlanta, Georgia 30328-5511
THE POWER OF NO-LOAD LIFE INSURANCE
No-load Life Insurance is a traditional "Universal Life" policy, except that it carries none of the traditional charges and fees associated with Universal Life Insurance. With No-load Life Insurance, there are no front-end fees, no surrender charges, no administration charges, no withdrawal charges and no sales charges. The way it works is simple:
Since it is a Universal Life policy, No-load Life Insurance is very flexible. There are no requirements as to when the premiums must be paid (except for the first premium). The coverage amount of your policy may be changed at any time after the first year (increases are subject to additional underwriting). Withdrawals can be made anytime after the first year, and policy loans are available immediately. The type of death benefit can be designated as fixed or increasing, depending on your preference.
Some other benefits of this policy include:
There are many different uses for this type of policy. For example, No-load insurance is ideal for deferred compensation since the policy immediately contains a high cash value (often more than the premium), which has a minimal impact on a company's financial statements. Other uses include estate planning, bank-owned life insurance, trust-owned life insurance (ILIT's), group term carve-outs, and individual cash accumulation vehicles, to name just a few.
Our goal at Roth & Associates is to take as much of the conflict of interest out of the insurance buying process as possible. That is why our company is independent of all insurance carriers. Since this product is free of the hidden charges and fees that are normally used to pay the broker's commissions, we offer it on a fee basis. At Roth & Associates, we feel that No-load insurance is the only policy that is truly in the best interest of you, our client.
*Securities and investment advisory services offered through FSC Securities
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