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Universal Life Plans

There's only ONE thing that's guaranteed in LIFE... DEATH.

It's something that no one likes to think about but it'll happen to us all someday. Knowing this, have you prepared your family for the financial burden they will endure when you go?

More then likely you'll live a long life, so you need a life insurance policy that can grow with you. NetCare Life and Health can offer you a Life insurance policy that will not only protect your family when you're gone but also assist you with reaching specific financial goals.

NetCare's Universal Life policy can provide you that security.

How do I know that a Universal Life Policy is right for me?

  • Are you the primary wage earner in your home?
  • Would your family have trouble living without your income?
  • Do you have an auto, home, credit card or other debt payments?
  • Do you have children under the age of 18?
If you answered YES to any of these question you need life insurance.

Why Universal Life?

Universal Life offers you and you family:

- Lifetime protection for you
- Lifetime monthly income for your family

- Custom built around your life

- Focused on affordable protection
- Completive priced

Universal Life Features

  • Permanent Coverage
    A Universal Life policy offers you coverage for your entire life, unlike a Term policy that only covers you for a specific time frame.
  • Flexible Premiums
    With a Universal Life policy you control the amount and frequency of payments. So as your life changes, you can pay less when money is tight and more when you want to increase the policy's cash value or extend the death benefit.
  • Cash Value
    Universal Life insurance lets you accumulate cash value. You can use that money to help supplement a child's college education or your retirement.
  • Tax-Deferred Earnings
    While your cash value earns interest, it's not subject to taxes.
  • Long-Term Coverage
    Your death benefit protection is to age 95 and beyond.

Death Benefit Options

NetCare's Universal Life policy offers you two Death Benefit options:
  • Level Death Benefit
    This option provides the policy owner with a level death benefit that equals the face amount of the policy
  • Increasing Death Benefit
    This option provides an increasing death benefit made up of the face amount of the policy plus the policy's cash value.

Add an additional rider to your Universal Policy

You can enhance your Universal Life policies with additional riders:
  • Accidental Death Benefit
    Accidents happen all the time. If you pass away as a result of one, the Accidental Death Benefit will double your face amount of coverage.
  • Children's Term Rider
    Nothing is more important then your children. If one were to pass way this rider would pay out the specified coverage amount.
  • Other Insured Rider
    This rider provides term coverage for your spouse up to age 95.
  • Accelerated Death Benefit
    If you fall terminal ill, this provision will pay out a portion of your death benefit to help you pay for medical bills and loss of income.
  • Waiver of Premium
    If you are unable to make payments due to your disability, this rider will waive your premium payments…for good.

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