Universal Life Insurance

High-net-worth individuals often struggle to find secure, flexible financial vehicles for large sums of money. They seek robust solutions that offer a safe harbor for their capital and provide growth potential, all while ensuring a lasting legacy and stability for their families. Traditional investment options may expose them to market volatility, potentially eroding the value they’ve worked hard to build. Additionally, they require an approach that offers significant tax advantages, ensuring their wealth is efficiently preserved.

The fear of losing hard-earned capital is natural in an unpredictable economic landscape. Market fluctuations can swiftly turn expected gains into substantial losses, and conventional saving methods hardly yield significant returns. Moreover, tax burdens can undermine wealth accumulation and preservation strategies, while the lack of liquidity in some investments means you can’t always access your funds when needed. These issues can compound, leaving you anxious about your financial future and your family’s security.

TWIA Insurance Group presents the Indexed ExplorerPlus Universal Life Insurance – a comprehensive solution crafted for discerning individuals demanding security and growth. This policy isn’t just life insurance; it’s a strategic financial tool designed to provide robust coverage and flexible wealth accumulation.

Flexible Financial Foundation: Life’s unpredictability necessitates a plan that adapts with you. Our Universal Life Insurance is exceptionally pliable, allowing you to adjust your coverage and premiums as your needs evolve. Whether expanding your family, planning significant investments, or transitioning into retirement, rest assured your policy can change in lockstep with your circumstances.

Growth with Downside Protection: Leverage the financial markets’ growth potential without exposing your capital to undue risk. Our Indexed Account options are tied to the performance of leading indices, providing a unique opportunity for significant returns while ensuring a guaranteed minimum interest rate. This strategy offers the best of both worlds: the excitement of potential market-linked growth and the security of stable, positive returns.

Tax-Efficient Wealth Building: Enjoy the benefits of tax-deferred growth, ensuring your wealth compounds more efficiently. When you withdraw funds or take out a policy loan, you’ll potentially face zero income tax, enhancing your spendable income. It’s a savvy way to fund life’s significant moments, whether a child’s education or your dream retirement.

Liquidity When You Need It: Access your accumulated value through policy loans or withdrawals, giving you the financial flexibility not often found in other investment vehicles. Our unique loan provisions, including the ability to switch between loan types, afford you even greater control over your financial strategy.

Lasting Legacy and Security: Beyond financial flexibility and growth, this policy safeguards your loved ones. With a substantial death benefit, your family’s future and any philanthropic desires are secured, no matter what life brings.

Bonus Features for Continued Growth: The Guaranteed Persistency Bonus and optional riders, like the Premium Deposit Account rider, supercharge your policy’s growth potential, ensuring your financial goals are not just met, but exceeded.

Embark on a journey of financial confidence with TWIA’s Indexed ExplorerPlus Universal Life Insurance. Craft a legacy, enjoy flexible wealth accumulation, and rest in the knowledge that your future and your loved ones are secure. Contact your Columbus Life representative to tailor a policy uniquely suited to your aspirations and needs. The time to fortify your financial future is today.

Pricing: Depends on various factors

Purchasing Process: 1. Order Quote 2. Receive Email 3. Complete Application for Illustration 4. Begin confirmation of illustrated values 5. Submit for processing

Requirements: Application

Estimated Time Frame: 20 to 30 minutes to complete quote form and enroll.

Select “Add to Cart” to Order your quote now!